<SEC-DOCUMENT>0001193125-12-101417.txt : 20120307
<SEC-HEADER>0001193125-12-101417.hdr.sgml : 20120307
<ACCEPTANCE-DATETIME>20120307171411
ACCESSION NUMBER:		0001193125-12-101417
CONFORMED SUBMISSION TYPE:	10-Q
PUBLIC DOCUMENT COUNT:		20
CONFORMED PERIOD OF REPORT:	20120131
FILED AS OF DATE:		20120307
DATE AS OF CHANGE:		20120307

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			H&R BLOCK INC
		CENTRAL INDEX KEY:			0000012659
		STANDARD INDUSTRIAL CLASSIFICATION:	SERVICES-PERSONAL SERVICES [7200]
		IRS NUMBER:				440607856
		STATE OF INCORPORATION:			MO
		FISCAL YEAR END:			0430

	FILING VALUES:
		FORM TYPE:		10-Q
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-06089
		FILM NUMBER:		12674991

	BUSINESS ADDRESS:	
		STREET 1:		ONE H&R BLOCK WAY
		CITY:			KANSAS CITY
		STATE:			MO
		ZIP:			64105
		BUSINESS PHONE:		8168543000

	MAIL ADDRESS:	
		STREET 1:		ONE H&R BLOCK WAY
		CITY:			KANSAS CITY
		STATE:			MO
		ZIP:			64105
</SEC-HEADER>
<DOCUMENT>
<TYPE>10-Q
<SEQUENCE>1
<FILENAME>d308610d10q.htm
<DESCRIPTION>FORM 10-Q
<TEXT>
<HTML><HEAD>
<TITLE>Form 10-Q</TITLE>
</HEAD>
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<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="3"><B>UNITED STATES </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:ARIAL" SIZE="3"><B>SECURITIES AND EXCHANGE COMMISSION </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="3"><B>Washington, D.C. 20549 </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="5"><B>FORM 10-Q </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>(Mark One)
</I></FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="12%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">[X]</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 </FONT></TD></TR></TABLE>
 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:12%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>For the quarterly period ended January&nbsp;31, 2012 </B></FONT></P>
 <P STYLE="margin-top:6px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">OR </FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="12%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">[&nbsp;&nbsp;&nbsp;&nbsp;]</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 </FONT></TD></TR></TABLE>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:7%; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>For the transition period from
<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U>to
<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U> </B></FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Commission file number 1-6089 </B></FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="5"><B>


<IMG SRC="g308610g68y19.jpg" ALT="LOGO">
 </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="3"><B>H&amp;R Block, Inc. </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="1"><B>(Exact name of registrant as specified in its charter) </B></FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
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<TR>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="3"><B>MISSOURI</B></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="3"><B>44-0607856</B></FONT></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="center"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(State or other jurisdiction of</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT
STYLE="font-family:ARIAL" SIZE="1"><B>incorporation or organization)</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(I.R.S. Employer</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT
STYLE="font-family:ARIAL" SIZE="1"><B>Identification No.)</B></FONT></P></TD></TR>
</TABLE> <P STYLE="margin-top:6px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="3"><B>One H&amp;R Block Way </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:ARIAL" SIZE="3"><B>Kansas City, Missouri 64105 </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(Address of principal executive offices, including zip code)
</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="3"><B>(816) 854-3000 </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="1"><B>(Registrant&#146;s telephone number, including area code) </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Indicate by check mark whether the registrant (1)&nbsp;has filed all reports required to be filed by Section&nbsp;13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for
such shorter period that the registrant was required to file such reports), and (2)&nbsp;has been subject to such filing requirements for the past 90 days. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Yes <U>&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="FONT-FAMILY:SYMBOL">&#214;</FONT>&nbsp;&nbsp;&nbsp;&nbsp;</U>No <U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U> </FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Indicate by check mark whether the registrant has submitted electronically and posted on its corporate Web site, if any, every Interactive Data File
required to be submitted and posted pursuant to Rule 405 of Regulation S-T (&#167;232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit and post such files).</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Yes <U>&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="FONT-FAMILY:SYMBOL">&#214;</FONT>&nbsp;&nbsp;&nbsp;&nbsp; </U>No
<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U> </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Indicate by check mark whether the registrant is a large
accelerated filer, an accelerated filer, a non-accelerated filer, or a smaller reporting company. See the definitions of &#147;large accelerated filer,&#148; &#147;accelerated filer&#148; and &#147;smaller reporting company&#148; in Rule 12b-2 of
the Exchange Act. (Check one) : </FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
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<TD WIDTH="4%"></TD></TR>


<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">Large&nbsp;accelerated&nbsp;filer</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2"><U>&nbsp;&nbsp;&nbsp;<FONT STYLE="FONT-FAMILY:SYMBOL">&#214;</FONT>&nbsp;&nbsp;&nbsp;</U></FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;&nbsp;Accelerated&nbsp;filer</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">Non-accelerated&nbsp;filer</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">Smaller&nbsp;reporting&nbsp;company</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="2"></TD>
<TD HEIGHT="8" COLSPAN="10"></TD></TR>
<TR>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="9"><FONT STYLE="font-family:Times New Roman" SIZE="2">(Do not check if a smaller reporting company)</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes
<U>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U> <U></U>No <U>&nbsp;&nbsp;&nbsp;&nbsp;<FONT STYLE="FONT-FAMILY:SYMBOL">&#214;</FONT>&nbsp;&nbsp;&nbsp;&nbsp; </U> </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">The number of shares outstanding of the registrant&#146;s Common Stock, without par value, at the close of business on February&nbsp;29, 2012 was 293,563,719 shares. </FONT></P>

<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="line-height:3px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<P STYLE="margin-top:12px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="4"><B>


<IMG SRC="g308610g10u07.jpg" ALT="LOGO">
 </B></FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="4"><B>Form 10-Q for the Period Ended January&nbsp;31, 2012 </B></FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="line-height:3px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P> <P STYLE="margin-top:2px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:ARIAL" SIZE="3"><B><A NAME="toc"></A>Table of Contents </B></FONT></P> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
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<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">Page</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


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<TD VALIGN="bottom"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">PART I</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="2">Financial Information</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
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<TR>
<TD VALIGN="top"> <P STYLE="margin-left:0.14em; text-indent:1.33em"><FONT STYLE="font-family:ARIAL" SIZE="2">Item&nbsp;1.</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2"><A HREF="#toc308610_1">Condensed Consolidated Balance Sheets<BR>January 31, 2012 and April 30, 2011 </A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
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<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
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<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2"><A HREF="#toc308610_2">Condensed Consolidated Statements of Operations and<BR>Comprehensive Income (Loss)<BR>Three and Nine months Ended
 January 31, 2012 and 2011 </A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
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<TD VALIGN="bottom" NOWRAP> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2"><A HREF="#toc308610_3">Condensed Consolidated Statements of Cash Flows<BR>Nine months Ended January 31, 2012 and 2011
</A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
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<TD VALIGN="bottom" NOWRAP> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2"><A HREF="#toc308610_4">Notes to Condensed Consolidated Financial Statements </A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
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<TD VALIGN="top"> <P STYLE="margin-left:0.14em; text-indent:1.33em"><FONT STYLE="font-family:ARIAL" SIZE="2">Item&nbsp;2.</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2"><A HREF="#toc308610_5">Management&#146;s Discussion and Analysis of Financial Condition and Results of Operations
</A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">33</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
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<TD VALIGN="bottom"> <P STYLE="margin-left:0.14em; text-indent:1.33em"><FONT STYLE="font-family:ARIAL" SIZE="2">Item&nbsp;3.</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2"><A HREF="#toc308610_6">Quantitative and Qualitative Disclosures about Market Risk </A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">40</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
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<TD VALIGN="bottom"> <P STYLE="margin-left:0.14em; text-indent:1.33em"><FONT STYLE="font-family:ARIAL" SIZE="2">Item&nbsp;4.</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2"><A HREF="#toc308610_7">Controls and Procedures </A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">40</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
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<TD VALIGN="bottom"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">PART II</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Other Information</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
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<TD VALIGN="bottom"> <P STYLE="margin-left:0.14em; text-indent:1.33em"><FONT STYLE="font-family:ARIAL" SIZE="2">Item&nbsp;1.</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2"><A HREF="#toc308610_8">Legal Proceedings </A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">40</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR>
<TD VALIGN="bottom"> <P STYLE="margin-left:0.14em; text-indent:1.33em"><FONT STYLE="font-family:ARIAL" SIZE="2">Item&nbsp;1A.</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2"><A HREF="#toc308610_9">Risk Factors </A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">40</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR>
<TD VALIGN="bottom"> <P STYLE="margin-left:0.14em; text-indent:1.33em"><FONT STYLE="font-family:ARIAL" SIZE="2">Item&nbsp;2.</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2"><A HREF="#toc308610_10">Unregistered Sales of Equity Securities and Use of Proceeds </A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">40</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR>
<TD VALIGN="bottom"> <P STYLE="margin-left:0.14em; text-indent:1.33em"><FONT STYLE="font-family:ARIAL" SIZE="2">Item&nbsp;5.</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2"><A HREF="#toc308610_11">Other Information </A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">41</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR>
<TD VALIGN="bottom"> <P STYLE="margin-left:0.14em; text-indent:1.33em"><FONT STYLE="font-family:ARIAL" SIZE="2">Item&nbsp;6.</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2"><A HREF="#toc308610_12">Exhibits </A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">43</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD HEIGHT="16" COLSPAN="3"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR>
<TD VALIGN="bottom" COLSPAN="3"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2"><A HREF="#toc308610_13">SIGNATURES </A></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">44</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>

<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

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 </P> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="line-height:3px;margin-top:0px;margin-bottom:2px;border-bottom:1pt solid #000000">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="60%"></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="12%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">
<FONT STYLE="font-family:ARIAL" SIZE="3"><B><A NAME="toc308610_1"></A>CONDENSED CONSOLIDATED BALANCE SHEETS</B></FONT>
</TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="right" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(amounts&nbsp;in&nbsp;000s,&nbsp;except&nbsp;share&nbsp;and&nbsp;per&nbsp;share&nbsp;amounts)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">As of</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">January&nbsp;31,&nbsp;2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">April&nbsp;30,&nbsp;2011</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="2">(Unaudited)</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top" ALIGN="center"> <P STYLE="margin-left:1.00em; text-indent:-1.00em" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>ASSETS</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Cash and cash equivalents</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,218,984</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,677,844</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Cash and cash equivalents &#150; restricted</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">34,168</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">48,383</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Receivables, less allowance for doubtful accounts<BR>of $64,139 and $47,943</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,035,902</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">230,172</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Prepaid expenses and other current assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">230,612</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">191,360</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Assets of discontinued operations, held for sale</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">900,328</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:4.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Total current assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">2,519,666</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">3,048,087</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Mortgage loans held for investment, less allowance for<BR>loan losses of $89,949 and $92,087</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">430,189</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">485,008</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Investments in available-for-sale securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">312,183</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">163,836</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Property and equipment, at cost, less accumulated depreciation and amortization of $617,314 and $578,655</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">260,755</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">255,298</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Intangible assets, net</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">268,148</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">275,342</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Goodwill</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">433,595</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">434,151</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Other assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">628,253</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">627,731</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:4.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Total assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">4,852,789</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">5,289,453</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" ALIGN="center"> <P STYLE="margin-left:1.00em; text-indent:-1.00em" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>LIABILITIES AND STOCKHOLDERS&#146; EQUITY</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Liabilities:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Customer banking deposits</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,587,988</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">852,220</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Accounts payable, accrued expenses and other current liabilities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">597,644</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">550,982</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Accrued salaries, wages and payroll taxes</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">130,245</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">208,748</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Accrued income taxes</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">40,596</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">458,911</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Commercial paper borrowings</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">230,947</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Current portion of long-term debt</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">630,996</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">557</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Federal Home Loan Bank borrowings</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">25,000</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">25,000</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Liabilities of discontinued operations, held for sale</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">241,562</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:4.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Total current liabilities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">3,243,416</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">2,337,980</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Long-term debt</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">409,241</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,039,527</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Other noncurrent liabilities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">393,683</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">462,372</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:4.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Total liabilities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">4,046,340</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">3,839,879</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Commitments and contingencies</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Stockholders&#146; equity:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Common stock, no par, stated value $.01 per share, 800,000,000 shares authorized, shares issued of 399,397,099 and
412,440,599</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">3,994</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">4,124</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Additional paid-in capital</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">797,853</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">812,666</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Accumulated other comprehensive income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">7,409</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">11,233</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Retained earnings</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">2,018,252</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">2,658,103</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Less treasury shares, at cost</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(2,021,059</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(2,036,552</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:4.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Total stockholders&#146; equity</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">806,449</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,449,574</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Total liabilities and stockholders&#146; equity</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">4,852,789</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">5,289,453</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-size:1px">
<TD COLSPAN="8" VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:24px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="2">See Notes to Condensed Consolidated Financial Statements </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">-1-
</FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

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<TD></TD>
<TD></TD>
<TD></TD>
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<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP>
<FONT STYLE="font-family:ARIAL" SIZE="3"><B><A NAME="toc308610_2"></A>CONDENSED&nbsp;CONSOLIDATED&nbsp;STATEMENTS&nbsp;OF</B></FONT>
</TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="10" ROWSPAN="2" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(Unaudited,&nbsp;amounts&nbsp;in&nbsp;000s,</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">except&nbsp;per&nbsp;share&nbsp;amounts)</FONT></P>
<P STYLE="font-size:5px;margin-top:0px;margin-bottom:1px" align="left"><FONT SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" ROWSPAN="2"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" COLSPAN="4" NOWRAP STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="3"><B>OPERATIONS AND COMPREHENSIVE INCOME (LOSS)</B></FONT></P>
<P STYLE="font-size:4px;margin-top:0px;margin-bottom:1px"><FONT SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" NOWRAP ALIGN="center"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="2">Three&nbsp;months&nbsp;ended</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="2">January 31,</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" NOWRAP ALIGN="center"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="2">Nine months&nbsp;ended</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT
STYLE="font-family:ARIAL" SIZE="2">January 31,</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">2011</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">2011</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Revenues:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Service revenues</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;524,240</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;513,914</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;717,243</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;695,269</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Product and other revenues</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">99,564</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">110,370</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">116,117</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">127,786</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Interest income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">39,476</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">56,012</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">59,737</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">76,666</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">663,280</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">680,296</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">893,097</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">899,721</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Expenses:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Cost of revenues:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Compensation and benefits</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">207,480</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">206,970</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">316,139</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">327,734</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Occupancy and equipment</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">93,024</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">90,653</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">263,078</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">261,841</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Depreciation/amortization of property and equipment</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">17,770</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">18,044</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">50,894</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">54,925</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Provision for bad debt and loan losses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">52,932</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">100,028</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">68,423</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">118,754</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Interest</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">23,543</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">24,662</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">69,352</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">70,549</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Other</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">60,491</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">54,527</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">127,551</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">118,731</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">455,240</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">494,884</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">895,437</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">952,534</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Impairment of goodwill</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">22,700</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">4,257</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">22,700</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Selling, general and administrative expenses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">211,736</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">190,639</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">408,144</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">350,201</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">666,976</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">708,223</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,307,838</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,325,435</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Operating loss</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(3,696</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(27,927</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(414,741</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(425,714</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Other income, net</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">2,670</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,959</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">9,185</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">9,079</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Loss from continuing operations before taxes (benefit)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(1,026</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(25,968</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(405,556</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(416,635</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Income taxes (benefit)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">2,541</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(14,934</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(159,821</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(166,349</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Net loss from continuing operations</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(3,567</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(11,034</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(245,735</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(250,286</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Net income (loss) from discontinued operations</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">218</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(1,687</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(74,436</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(2,165</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Net loss</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(3,349</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(12,721</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(320,171</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(252,451</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Basic and diluted loss per share:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Net&nbsp;loss&nbsp;from&nbsp;continuing&nbsp;operations</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(0.01</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(0.04</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(0.82</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(0.80</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Net income (loss) from discontinued operations</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(0.25</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(0.01</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Net loss</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(0.01</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(0.04</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(1.07</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(0.81</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Basic and diluted shares</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">292,963</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">305,144</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">299,450</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">310,546</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Dividends paid per share</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">0.20</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">0.15</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">0.50</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">0.45</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Comprehensive income (loss):</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Net loss</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(3,349</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(12,721</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(320,171</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(252,451</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Unrealized gains (losses) securities, net of taxes:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Unrealized holding gains (losses) arising during the period, net of taxes of $(199), $(122), $1,113 and $(75)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(291</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(198</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,682</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(118</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Reclassification adjustment for gains included in income net of taxes of $ &#150;, $(602), $58 and $(176)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">844</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(93</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">125</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Change in foreign currency translation adjustments</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">3,341</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">4,101</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(5,413</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">5,477</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Comprehensive loss</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(299</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(7,974</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(323,995</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(246,967</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:6px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="2">See Notes to Condensed Consolidated Financial Statements </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">-2-
</FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="76%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" COLSPAN="4"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">


<IMG SRC="g308610g83t52.jpg" ALT="LOGO">
</FONT></P> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:1px"><FONT SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="3"><B><A NAME="toc308610_3"></A>CONDENSED CONSOLIDATED STATEMENTS OF CASH FLOWS</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="right" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">(unaudited,&nbsp;amounts&nbsp;in&nbsp;000s)</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Nine months ended January&nbsp;31,</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">2011</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Net cash used in operating activities</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(1,382,771</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(1,505,418</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Cash flows from investing activities:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Purchases of available-for-sale securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(178,014</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Principal repayments on mortgage loans held for investment, net</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">35,460</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">45,316</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Purchases of property and equipment, net</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(71,549</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(51,198</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Payments made for business acquisitions, net</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(16,022</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(50,832</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Proceeds from sale of businesses, net</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">533,055</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">62,298</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Franchise loans:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Loans funded</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(43,649</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(90,304</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Payments received</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">8,455</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">9,926</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Other, net</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">55,794</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">38,651</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Net cash provided by (used in) investing activities</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">323,530</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(36,143</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Cash flows from financing activities:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Repayments of commercial paper</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(413,221</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(2,654,653</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Proceeds from commercial paper</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">644,168</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">3,286,603</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Customer banking deposits, net</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">735,252</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,002,274</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Dividends paid</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(150,058</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(140,926</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Repurchase of common stock, including shares surrendered</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(180,566</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(283,494</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Proceeds from exercise of stock options, net</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(324</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(866</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Other, net</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(31,424</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(10,062</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Net cash provided by financing activities</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">603,827</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,198,876</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Effects of exchange rates on cash</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(3,446</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">4,330</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Net decrease in cash and cash equivalents</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(458,860</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(338,355</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Cash and cash equivalents at beginning of the period</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,677,844</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,804,045</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Cash and cash equivalents at end of the period</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,218,984</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,465,690</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Supplementary cash flow data:</B></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Income taxes paid</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">163,471</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">159,916</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Interest paid on borrowings</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">55,266</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">69,313</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Interest paid on deposits</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">5,170</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">6,191</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Transfers of foreclosed loans to other assets</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">6,521</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">12,931</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="margin-top:150px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="2">See Notes to Condensed Consolidated Financial Statements </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">-3-
</FONT></P>


<p Style='page-break-before:always'>
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<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="font-size:1px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
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<TD WIDTH="49%"></TD></TR>


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<FONT STYLE="font-family:ARIAL" SIZE="2"><B><A NAME="toc308610_4"></A>NOTES&nbsp;TO&nbsp;CONDENSED&nbsp;CONSOLIDATED&nbsp;FINANCIAL&nbsp;STATEMENTS</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">(unaudited)</FONT></TD></TR>
</TABLE> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>1.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Summary of Significant Accounting Policies </B></FONT></TD></TR></TABLE>
 <P STYLE="margin-top:7px;margin-bottom:0px; margin-left:4%"><FONT STYLE="font-family:ARIAL" SIZE="2">Basis of Presentation </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">The condensed consolidated balance sheet as of January&nbsp;31, 2012, the condensed consolidated statements of operations and comprehensive income (loss) for the three and nine months ended
January&nbsp;31, 2012 and 2011, and the condensed consolidated statements of cash flows for the nine months ended January&nbsp;31, 2012 and 2011 have been prepared by the Company, without audit. In the opinion of management, all adjustments, which
include only normal recurring adjustments, necessary to present fairly the financial position, results of operations and cash flows at January&nbsp;31, 2012 and for all periods presented have been made. See below for discussion of our presentation
of discontinued operations. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#147;H&amp;R Block,&#148; &#147;the Company,&#148; &#147;we,&#148;
&#147;our&#148; and &#147;us&#148; 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="margin-top:0px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT STYLE="font-family:Times New Roman" 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&nbsp;30, 2011 Annual
Report to Shareholders on Form 10-K. All amounts presented herein as of April&nbsp;30, 2011 or for the year then ended, are derived from our April&nbsp;30, 2011 Annual Report to Shareholders on Form 10-K. </FONT></P>
<P STYLE="margin-top:7px;margin-bottom:0px; margin-left:4%"><FONT STYLE="font-family:ARIAL" SIZE="2">Management Estimates </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%"><FONT STYLE="font-family:Times New Roman" 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 claims and litigation, fair value of reporting units, valuation allowances based on future
taxable income, reserves for uncertain tax positions, credit losses on receivable balances and related matters. Estimates have been prepared on the basis of the most current and best information available as of each balance sheet date. As such,
actual results could differ materially from those estimates. </FONT></P> <P STYLE="margin-top:7px;margin-bottom:0px; margin-left:4%"><FONT STYLE="font-family:ARIAL" SIZE="2">Seasonality of Business </FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%"><FONT STYLE="font-family:Times New Roman" 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> <P STYLE="margin-top:7px;margin-bottom:0px; margin-left:4%"><FONT STYLE="font-family:ARIAL" SIZE="2">Discontinued Operations &#150; Recent Events </FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">In November 2011, we sold substantially all assets of RSM McGladrey, Inc. (RSM) to McGladrey&nbsp;&amp; Pullen LLP (M&amp;P) for net cash
proceeds of $495.6 million. We also received a short-term note in the amount of $32.3 million and a long-term note in the amount of $54.0 million. M&amp;P assumed substantially all liabilities of RSM, including contingent payments and lease
obligations. We have indemnified M&amp;P for certain litigation matters as discussed in note 13. The net after tax loss on the sale of RSM totaled $37.1 million, which includes an $85.4 million impairment of goodwill recorded in our first quarter
and tax benefits of $20.5 million recorded in the third quarter associated with capital loss carry-forwards utilized. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">In the first quarter, we also announced we were evaluating strategic alternatives for RSM EquiCo, Inc. (EquiCo), and effective January&nbsp;31, 2012, we sold the assets of EquiCo&#146;s subsidiary,
McGladrey Capital Markets LLC (MCM), for cash proceeds of $1.0 million. We have indemnified the buyer for certain litigation matters related to this business. The net after tax loss on the sale of MCM totaled $12.4 million and included a $14.3
million impairment of goodwill recorded in our first quarter. The remaining EquiCo businesses will be wound down. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">-4-
</FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">As of January&nbsp;31, 2012, the results of operations of these businesses
are presented as discontinued operations in the condensed consolidated financial statements. All periods presented in our condensed consolidated balance sheets and statements of operations have been reclassified to reflect our discontinued
operations. See additional information in note 13. </FONT></P> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>2.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Loss Per Share and Stockholders&#146; Equity </B></FONT></TD></TR></TABLE>
 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Basic and diluted loss per share is computed using the two-class method. The two-class method is an earnings allocation
formula that determines net income per share for each class of common stock and participating security according to dividends declared and participation rights in undistributed earnings. Per share amounts are computed by dividing net income from
continuing operations attributable to common shareholders by the weighted average shares outstanding during each period. The dilutive effect of potential common shares is included in diluted earnings per share except in those periods with a loss
from continuing operations. Diluted earnings per share excludes the impact of shares of common stock issuable upon the lapse of certain restrictions or the exercise of options to purchase 9.6&nbsp;million shares for the three and nine months ended
January&nbsp;31, 2012, and 12.6&nbsp;million shares for the three and nine months ended January&nbsp;31, 2011, as the effect would be antidilutive due to the net loss from continuing operations during each period. </FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The computations of basic and diluted loss per share from continuing operations are as follows: </FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="96%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR>
<TD WIDTH="63%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">(in 000s, except per share amounts)</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Three months ended<BR>January 31,</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Nine months ended<BR>January 31,</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">2011</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">2011</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Net loss from continuing operations attributable to shareholders</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(3,567</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(11,034</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(245,735</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(250,286</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Amounts allocated to participating securities (nonvested shares)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">24</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(148</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(152</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(142</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Net loss from continuing operations attributable to common shareholders</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(3,543</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(11,182</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(245,887</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(250,428</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Basic weighted average common shares</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">292,963</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">305,144</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">299,450</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">310,546</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Potential dilutive shares</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Dilutive weighted average common shares</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">292,963</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">305,144</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">299,450</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">310,546</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Loss per share from continuing operations:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Basic</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(0.01</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(0.04</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(0.82</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(0.80</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Diluted</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(0.01</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(0.04</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(0.82</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(0.80</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
</TABLE></DIV> <P STYLE="margin-top:2px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The weighted average shares outstanding for the three and nine months ended
January&nbsp;31, 2012 decreased to 293.0&nbsp;million and 299.5&nbsp;million, respectively, from 305.1&nbsp;million and 310.5&nbsp;million for the three and nine months ended January&nbsp;31, 2011, respectively, primarily due to share repurchases
completed in the current fiscal year. During the nine months ended January&nbsp;31, 2012, we purchased and immediately retired 13.0&nbsp;million shares of our common stock at a cost of $177.5 million. The cost of shares retired during the current
period was allocated to the components of stockholders&#146; equity as follows: </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="96%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR>
<TD WIDTH="83%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">(in&nbsp;000s)</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Common stock</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">130</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Additional paid-in capital</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">7,826</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Retained earnings</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">169,548</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">177,504</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000;border-bottom:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000;border-bottom:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
</TABLE></DIV> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">During the nine months ended January&nbsp;31, 2011, we purchased and immediately
retired 19.0&nbsp;million shares of our common stock at a cost of $279.9 million. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">In addition to the shares we
repurchased as described above, during the nine months ended January&nbsp;31, 2012, we acquired 0.2&nbsp;million shares of our common stock at an aggregate cost of $3.1 million. These shares represent shares swapped or surrendered to us in
connection with the vesting of nonvested shares </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">-5-
</FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">
and the exercise of stock options. During the nine months ended January&nbsp;31, 2011, we acquired 0.2&nbsp;million shares at an aggregate cost of $3.5 million for similar purposes. </FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">During the nine months ended January&nbsp;31, 2012 and 2011, we issued 1.0&nbsp;million and 1.1&nbsp;million shares of
common stock, respectively, due to the exercise of stock options, employee stock purchases and vesting of nonvested shares. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">During the nine months ended January&nbsp;31, 2012, we granted 2.4&nbsp;million stock options and 1.0&nbsp;million nonvested shares and units under our stock-based compensation plans. The weighted average
fair value of options granted was $3.36 for management options. These awards typically vest over a three year period with one-third vesting each year. Stock-based compensation expense of our continuing operations totaled $2.0 million and $11.0
million for the three and nine months ended January&nbsp;31, 2012, respectively, and $3.5 million and $7.3 million for the three and nine months ended January&nbsp;31, 2011, respectively. At January&nbsp;31, 2012, unrecognized compensation cost for
options totaled $7.5 million, and for nonvested shares and units totaled $16.5 million. </FONT></P> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>3.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Receivables </B></FONT></TD></TR></TABLE>
 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Short-term receivables of our continuing operations consist of the following: </FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="96%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR>
<TD WIDTH="57%"></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">(in 000s)</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">As of</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">January&nbsp;31,&nbsp;2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">January&nbsp;31,&nbsp;2011</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">April&nbsp;30,&nbsp;2011</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Emerald Advance lines of credit</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">443,717</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">674,317</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">31,645</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Receivables for tax preparation and related fees</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">333,636</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">280,364</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">38,930</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Royalties from franchisees</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">88,597</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">84,049</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">11,645</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Loans to franchisees</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">81,415</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">85,269</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">62,181</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Receivable from M&amp;P</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">32,342</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">RAC fees receivable</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">28,942</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">51,704</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Tax client receivables related to RALs</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,727</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">4,874</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">2,412</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Other</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">89,665</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">95,732</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">131,302</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,100,041</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,276,309</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">278,115</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Allowance for doubtful accounts</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(64,139</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(102,837</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(47,943</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,035,902</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,173,472</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">230,172</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000;border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000;border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000;border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000;border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000;border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000;border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
</TABLE></DIV> <P STYLE="margin-top:2px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">As discussed in note 1, we have a short-term receivable for $32.3 million and a
long-term note receivable in the amount of $54.0 million due from M&amp;P related to the sale of RSM. The short-term receivable note is based on the final post-closing adjustments to the purchase price we expect to receive. The long-term note is
unsecured and bears interest at a rate of 8.0%, with all principal and accrued interest due in May 2017. As of January&nbsp;31, 2012, there is no allowance recorded related to the short-term receivable or the long-term note, however we will monitor
publicly available information relevant to the financial condition of M&amp;P to assess future collectability. The long-term note is included in other assets in our condensed consolidated balance sheet. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">-6-
</FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT STYLE="font-family:Times New Roman" 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></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="96%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR>
<TD WIDTH="56%"></TD>
<TD VALIGN="bottom" WIDTH="9%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="9%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="9%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">(in 000s)</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Emerald Advance<BR>Lines of Credit</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Tax Client<BR>Receivables&nbsp;-&nbsp;RALs</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">Loans</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">to&nbsp;Franchisees</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">As of January&nbsp;31, 2012:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Short-term</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">443,717</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,727</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">81,415</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Long-term</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">15,001</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">5,120</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">134,136</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">458,718</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">6,847</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">215,551</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">As of January&nbsp;31, 2011:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Short-term</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">674,317</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">4,874</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">85,269</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Long-term</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">13,608</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">5,856</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">131,340</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">687,925</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">10,730</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">216,609</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">As of April&nbsp;30, 2011:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Short-term</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">31,645</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">2,412</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">62,181</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Long-term</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">21,619</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">5,855</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">110,420</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">53,264</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">8,267</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">172,601</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000;border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000;border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000;border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000;border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000;border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000;border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
</TABLE></DIV> <P STYLE="margin-top:6px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">We review the credit quality of our EA receivables and tax client receivables
related to RALs based on pools, which are segregated by the year of origination, with older years being deemed more unlikely to be repaid. These amounts as of January&nbsp;31, 2012, by year of origination, are as follows: </FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="68%"></TD>
<TD VALIGN="bottom" WIDTH="10%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="10%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(in 000s)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Emerald&nbsp;Advance<BR>Lines of Credit</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Tax Client<BR>Receivables&nbsp;-&nbsp;RALs</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Credit Quality Indicator &#150; Year of origination:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">2012</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">410,648</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">2011</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">21,913</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">2010</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">4,848</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">2009</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">4,866</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">2,034</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">2008 and prior</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">2,045</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">4,813</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Revolving loans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">14,398</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">458,718</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">6,847</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<P STYLE="margin-top:6px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">As of January&nbsp;31, 2012 and April&nbsp;30, 2011, $41.4 million and $46.8 million, respectively, of EAs were on
non-accrual status and classified as impaired, or more than 60 days past due. All tax client receivables related to RALs are considered impaired. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Loans made to franchisees totaled $215.6 million at January&nbsp;31, 2012, and consisted of $150.4 million in term loans made to finance the purchase of franchises and $65.2 million in revolving lines of
credit made to existing franchisees primarily for the purpose of funding their off-season needs. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">-7-
</FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Activity in the allowance for doubtful accounts for the nine months ended
January&nbsp;31, 2012 and 2011 is as follows: </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR>
<TD WIDTH="37%"></TD>
<TD VALIGN="bottom" WIDTH="8%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="8%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="8%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="8%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="8%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="18" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">(in 000s)</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Emerald&nbsp;Advance<BR>Lines of Credit</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Tax Client<BR>Receivables&nbsp;-&nbsp;RALs</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">Loans</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">to&nbsp;Franchisees</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">All</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">Other</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Total</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Balance as of April&nbsp;30, 2011</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">4,400</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">43,543</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">47,943</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Provision</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">33,570</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">17,062</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">50,632</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Charge-offs</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(34,436</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(34,436</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Balance as of January&nbsp;31, 2012</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">37,970</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">26,169</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">64,139</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Balance as of April&nbsp;30, 2010</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">35,239</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">12,191</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">43,723</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">91,157</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Provision</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">71,325</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">22,961</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">94,288</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Charge-offs</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(32,919</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(12,193</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(37,492</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(82,608</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Balance as of January&nbsp;31, 2011</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">73,645</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">29,192</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">102,837</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
</TABLE></DIV> <P STYLE="margin-top:2px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">There were no changes to our methodology related to the calculation of our allowance
for doubtful accounts during the nine months ended January&nbsp;31, 2012. </FONT></P> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>4.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Mortgage Loans Held for Investment and Related Assets </B></FONT></TD></TR></TABLE>
 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The composition of our mortgage loan portfolio as of January&nbsp;31, 2012 and April&nbsp;30, 2011 is as follows:
</FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="52%"></TD>
<TD VALIGN="bottom" WIDTH="8%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="8%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="8%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="8%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">(dollars in 000s)</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">As of</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">January 31, 2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">April 30, 2011</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Amount</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;%&nbsp;of&nbsp;Total</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Amount</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;%&nbsp;of&nbsp;Total</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Adjustable-rate loans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">297,375</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">58</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">333,828</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">58</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Fixed-rate loans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">219,134</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">42</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">239,146</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">42</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">516,509</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">100</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">572,974</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">100</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Unamortized deferred fees and costs</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">3,629</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">4,121</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Less: Allowance for loan losses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(89,949</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(92,087</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">430,189</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">485,008</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:6px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Our loan loss allowance as a percent of mortgage loans was 17.4% at January&nbsp;31, 2012,
compared to 16.1% at April&nbsp;30, 2011. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Activity in the allowance for loan losses for the nine months ended
January&nbsp;31, 2012 and 2011 is as follows: </FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="82%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">(in 000s)</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Nine months ended January&nbsp;31,</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">2011</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Balance, beginning of the period</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">92,087</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">93,535</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Provision</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">17,275</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">24,100</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Recoveries</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">160</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">169</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Charge-offs</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(19,573</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(29,928</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Balance, end of the period</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">89,949</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">87,876</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">-8-
</FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:2px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT STYLE="font-family:Times New Roman" 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> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="38%"></TD>
<TD VALIGN="bottom" WIDTH="10%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="10%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="10%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="10%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">(in 000s)</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">As of</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">January 31, 2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">April 30, 2011</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Portfolio&nbsp;Balance</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Related&nbsp;Allowance</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Portfolio&nbsp;Balance</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Related&nbsp;Allowance</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Pooled (less than 60 days past due)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">260,916</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">9,467</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">304,325</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">11,238</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Impaired:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Individually (TDRs)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">84,443</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">9,011</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">106,328</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">11,056</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Individually (60 days or more past due)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">171,150</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">71,471</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">162,321</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">69,793</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">516,509</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">89,949</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">572,974</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">92,087</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:2px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Our portfolio includes loans originated by Sand Canyon Corporation, previously known as
Option One Mortgage Corporation, and its subsidiaries (SCC) and purchased by H&amp;R Block Bank (HRB Bank), which constitute 63% of the total loan portfolio at January&nbsp;31, 2012. We have experienced higher rates of delinquency and believe that
we have greater exposure to loss with respect to this segment of our loan portfolio. Our remaining loan portfolio totaled $192.4 million and is characteristic of a prime loan portfolio, and we believe therefore subject to a lower loss exposure.
Detail of our mortgage loans held for investment and the related allowance at January&nbsp;31, 2012 is as follows: </FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="96%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR>
<TD WIDTH="47%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="16" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(dollars in 000s)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD ROWSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">Outstanding</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">Loan Loss Allowance</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">%&nbsp;30+&nbsp;Days</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">Principal&nbsp;Balance</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">Amount</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">%&nbsp;of&nbsp;Principal</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">Past&nbsp;Due</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Purchased from SCC</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">$324,122</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">$77,373</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">23.9%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">47.1%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">All other</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">192,387</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">12,576</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">6.5%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">12.4%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">$516,509</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">$89,949</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">17.4%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">34.2%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
</TABLE></DIV> <P STYLE="margin-top:2px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Credit quality indicators at January&nbsp;31, 2012 include the following:
</FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="52%"></TD>
<TD VALIGN="bottom" WIDTH="10%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="10%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="10%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="10" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(in 000s)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Credit Quality Indicators</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Purchased&nbsp;from&nbsp;SCC</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">All Other</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Total&nbsp;Portfolio</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Occupancy status:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Owner occupied</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">229,463</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">122,424</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">351,887</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Non-owner occupied</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">94,659</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">69,963</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">164,622</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">324,122</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">192,387</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">516,509</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Documentation level:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Full documentation</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">95,323</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">140,179</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">235,502</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Limited documentation</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">8,414</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">19,999</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">28,413</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Stated income</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">189,698</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">19,793</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">209,491</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">No documentation</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">30,687</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">12,416</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">43,103</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">324,122</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">192,387</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">516,509</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Internal risk rating:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">High</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">129,745</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">129,745</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Medium</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">194,377</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">194,377</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Low</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">192,387</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">192,387</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">324,122</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">192,387</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">516,509</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Loans given our internal risk rating of &#147;high&#148; were generally originated by
SCC, have no documentation or are stated income and are non-owner occupied. Loans given our internal risk rating of &#147;medium&#148; were generally full documentation or stated income, with loan-to-value at origination of more than 80% and
</FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">-9-
</FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">
have credit scores at origination below 700. Loans given our internal risk rating of &#147;low&#148; were generally full documentation, with loan-to-value at origination of less than 80% and have
credit scores greater than 700. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT STYLE="font-family:Times New Roman" 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 52% of our mortgage
loan portfolio consists of loans to borrowers located in the states of Florida, California and New York. </FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Detail of the aging of the mortgage loans in our portfolio that are past due as of January&nbsp;31, 2012 is as follows:
</FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="96%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR>
<TD WIDTH="37%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="22" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">(in 000s)</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Less than 60<BR>Days Past Due</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">60&#150;89&nbsp;Days<BR>Past Due</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">90+ Days<BR>Past Due</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT><FONT STYLE="font-family:ARIAL" SIZE="2"></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">Total</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">Past Due</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Current</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Total</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Purchased from SCC</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">28,876</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">6,159</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">141,247</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">176,282</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">147,840</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">324,122</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">All other</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">8,423</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,524</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">20,639</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">30,586</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">161,801</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">192,387</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">37,299</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">7,683</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">161,886</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">206,868</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">309,641</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">516,509</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
<TR>
<TD VALIGN="bottom" COLSPAN="24" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:2.00em; text-indent:-2.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</SUP>We do not accrue interest on loans past due 90 days or more.</FONT></P>
<P STYLE="font-size:4px;margin-top:0px;margin-bottom:1px"><FONT SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:2.00em; text-indent:-2.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</SUP>&nbsp;&nbsp;</FONT></P> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:1px"><FONT SIZE="1"></FONT></P></TD></TR>
</TABLE></DIV> <P STYLE="margin-top:2px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Information related to our non-accrual loans is as follows: </FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="96%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR>
<TD WIDTH="72%"></TD>
<TD VALIGN="bottom" WIDTH="8%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="8%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">(in 000s)</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">As of</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">January&nbsp;31,&nbsp;2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">April&nbsp;30,&nbsp;2011</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Loans:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Purchased from SCC</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">142,853</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">143,358</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Other</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">23,283</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">14,106</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">166,136</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">157,464</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">TDRs:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Purchased from SCC</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">5,729</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">2,849</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Other</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,282</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">329</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">7,011</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">3,178</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Total non-accrual loans</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">173,147</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">160,642</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000;border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000;border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000;border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000;border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
</TABLE></DIV> <P STYLE="margin-top:2px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Information related to impaired loans is as follows: </FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="96%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR>
<TD WIDTH="38%"></TD>
<TD VALIGN="bottom" WIDTH="10%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="10%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="10%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="10%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">(in 000s)</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Portfolio&nbsp;Balance<BR>With Allowance</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Portfolio&nbsp;Balance<BR>With&nbsp;No&nbsp;Allowance</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Total<BR>Portfolio&nbsp;Balance</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Related&nbsp;Allowance</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">As of January&nbsp;31, 2012:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Purchased from SCC</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">179,776</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">40,672</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">220,448</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">71,084</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Other</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">25,390</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">9,755</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">35,145</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">9,398</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">205,166</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">50,427</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">255,593</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">80,482</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">As of April&nbsp;30, 2011:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Purchased from SCC
</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT><FONT STYLE="font-family:ARIAL" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">180,387</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">51,674</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">232,061</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">71,733</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Other </FONT><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT><FONT
STYLE="font-family:ARIAL" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">29,027</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">7,561</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">36,588</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">9,116</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">209,414</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">59,235</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">268,649</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">80,849</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" COLSPAN="16" STYLE="BORDER-BOTTOM:1px solid #000000">
<P STYLE="margin-left:2.00em; text-indent:-2.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</SUP>Classification of amounts as of April&nbsp;30,
2011 has been restated to conform to the current period presentation.</FONT></P></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">
<P STYLE="margin-left:2.00em; text-indent:-2.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</SUP>&nbsp;&nbsp;</FONT></P></TD></TR>
</TABLE></DIV>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">-10-</FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:6px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Information related to the allowance for impaired loans is as follows:
</FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="96%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR>
<TD WIDTH="72%"></TD>
<TD VALIGN="bottom" WIDTH="9%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="9%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">(in 000s)</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">As of</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">January&nbsp;31,&nbsp;2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">April&nbsp;30,&nbsp;2011</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Portion of total allowance for loan losses allocated to impaired loans and TDR loans:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Based on collateral value method</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">71,471</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">69,794</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Based on discounted cash flow method</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">9,011</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">11,055</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">80,482</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">80,849</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000;border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000;border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000;border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000;border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
</TABLE></DIV> <P STYLE="margin-top:2px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Information related to activities of our non-performing assets is as follows:
</FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="96%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR>
<TD WIDTH="82%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">(in 000s)</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Nine months ended January&nbsp;31,</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">2011</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Average impaired loans:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Purchased from SCC</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">224,002</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">All other</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">35,421</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">259,423</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">308,282</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Interest income on impaired loans:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Purchased from SCC</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">4,340</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">All other</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">348</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">4,688</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">4,975</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Interest income on impaired loans recognized on a cash basis on non-accrual status:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Purchased from SCC</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">4,182</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">All other</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">324</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">4,506</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">4,711</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000;border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000;border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000;border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000;border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
</TABLE></DIV> <P STYLE="margin-top:2px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Our real estate owned (REO) includes loans accounted for as in-substance
foreclosures of $5.7 million and $7.7 million at January&nbsp;31, 2012 and April&nbsp;30, 2011, respectively. Activity related to our REO is as follows: </FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="96%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR>
<TD WIDTH="82%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">(in 000s)</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Nine months ended January&nbsp;31,</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">2011</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Balance, beginning of the period</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">19,532</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">29,252</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Additions</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">6,521</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">12,931</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Sales</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(7,933</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(16,900</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Writedowns</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(2,193</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(3,442</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Balance, end of the period</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">15,927</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">21,841</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000;border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000;border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000;border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000;border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
</TABLE></DIV>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">-11-
</FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>



<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>5.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Investments in Available-for-Sale Securities </B></FONT></TD></TR></TABLE>
 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The amortized cost and fair value of securities classified as available-for-sale (AFS) held at January&nbsp;31, 2012
and April&nbsp;30, 2011 are summarized below: </FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="96%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR>
<TD WIDTH="27%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="30" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">(in 000s)</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">As of</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">January 31, 2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">April 30, 2011</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">Amortized<BR>Cost</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">Gross</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">Unrealized</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">Gains</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">Gross</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">Unrealized</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">Losses </FONT><FONT
STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT><FONT STYLE="font-family:ARIAL" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">Fair</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">Value</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">Amortized</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">Cost</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">Gross</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">Unrealized</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">Gains</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">Gross</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">Unrealized</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">Losses </FONT><FONT
STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT><FONT STYLE="font-family:ARIAL" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">Fair</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">Value</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Short-term:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Municipal bonds</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">2,001</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">2,004</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">3,023</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">58</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">3,081</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Long-term:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Mortgage-backed</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px; margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;&nbsp;&nbsp;securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">303,519</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">3,243</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(287</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">306,475</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">157,970</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">401</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(194</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">158,177</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Municipal bonds</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">5,260</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">448</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">5,708</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">5,312</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">347</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">5,659</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">308,779</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">3,691</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(287</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">312,183</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">163,282</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">748</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(194</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">163,836</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Total</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">310,780</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">3,694</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(287</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">314,187</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">166,305</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">806</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(194</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">166,917</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
<TR>
<TD VALIGN="bottom" COLSPAN="32" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:2.00em; text-indent:-2.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;At January&nbsp;31, 2012 and April&nbsp;30, 2011, we had no investments that had been in a continuous loss position for more than twelve
months.</FONT></P> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:1px"><FONT SIZE="1">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:2.00em; text-indent:-2.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></P> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:1px"><FONT SIZE="1"></FONT></P></TD></TR>
</TABLE></DIV> <P STYLE="margin-top:2px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">We did not record any other-than-temporary impairments of AFS securities during the
three or nine months ended January&nbsp;31, 2012. During the three and nine months ended January&nbsp;31, 2011, we recorded other-than-temporary impairments of AFS securities totaling $1.5 million and $1.9 million, respectively, as a result of an
assessment that it was probable we would not collect all amounts due or an assessment that we would not be able to hold the investments until potential recovery of market value. </FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Contractual maturities of AFS debt securities at January&nbsp;31, 2012, occur at varying dates over the next 30 years, and
are set forth in the table below. </FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="82%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">(in 000s)</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Cost&nbsp;Basis</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Fair Value</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Maturing in:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Less than one year</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">2,001</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">2,004</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Two to five years</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">4,204</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">4,502</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Six to ten years</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,056</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,206</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Beyond</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">303,519</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">306,475</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">310,780</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">314,187</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000;border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000;border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000;border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000;border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
</TABLE> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>6.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Assets and Liabilities Measured at Fair Value </B></FONT></TD></TR></TABLE>
 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%"><FONT STYLE="font-family:Times New Roman" 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 STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="6%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">Available-for-sale securities &#150; Available-for-sale securities are carried at fair value on a recurring basis. When available, fair value is based
on quoted prices in an active market for identical securities and as such, would be classified as Level 1. If quoted market prices are not available, we use a third-party pricing service to determine fair value and classify the securities as Level
2. The service&#146;s pricing model is based on market data and utilizes available trade, bid and other market information for similar securities. Available-for-sale securities that we classify as Level 2 include certain agency and non-agency
mortgage-backed securities and municipal bonds. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="6%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">Real estate owned &#150; REO includes foreclosed properties securing mortgage loans. Foreclosed assets are adjusted to fair value less costs to sell
upon transfer of the loans to REO. Fair value is generally based on independent market prices or appraised values of the collateral. Subsequent holding period losses and losses arising from the sale of REO are expensed as incurred. Because our REO
is valued based on significant inputs that are unobservable in the market and our own estimates of assumptions that we believe market participants would use in pricing the asset, these assets are classified as Level&nbsp;3.
</FONT></P></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">-12-
</FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="6%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">Impaired mortgage loans held for investment &#150; The fair value of impaired mortgage loans held for investment is generally based on the net present
value of discounted cash flows for TDRs or the appraised value of the underlying collateral for all other loans. These loans are classified as Level 3. </FONT></P></TD></TR></TABLE>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT STYLE="font-family:Times New Roman" 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 nine months ended January&nbsp;31, 2012 and 2011 and the gains (losses) on those remeasurements: </FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="54%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="18" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">(dollars in 000s)</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Total</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Level&nbsp;1</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Level 2</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Level 3</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Gain&nbsp;(loss)</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">As of January&nbsp;31, 2012:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Recurring:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Mortgage-backed securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">306,475</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">306,475</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">2,956</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Municipal bonds</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">7,712</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">7,712</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">451</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Non-recurring:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">REO</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">16,883</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">16,883</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(772</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Impaired mortgage loans held for investment</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">103,509</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">103,509</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(6,986</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">434,579</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">314,187</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">120,392</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(4,351</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">As a percentage of total assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">9.0</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">6.5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">2.5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">As of January&nbsp;31, 2011:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Recurring:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Mortgage-backed securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">19,927</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">19,927</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(91</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Municipal bonds</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">8,740</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">8,740</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">380</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Trust preferred security</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">21</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">21</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(1,575</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Non-recurring:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">REO</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">19,532</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">19,532</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(1,512</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Impaired mortgage loans held for investment</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">174,062</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">174,062</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(7,792</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">222,282</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">28,688</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">193,594</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(10,590</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">As a percentage of total assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">3.8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">0.5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">3.3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top" COLSPAN="20" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:2.00em; text-indent:-2.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;Prior year amounts have been restated to include trust preferred securities that were remeasured during the quarter and the gain (loss) on
all remeasurements.</FONT></P></TD>
<TD VALIGN="top" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">
<P STYLE="margin-left:2.00em; text-indent:-2.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex"></SUP>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></P></TD></TR>
</TABLE> <P STYLE="margin-top:2px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT STYLE="font-family:Times New Roman" 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 STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The following methods were used to determine the fair values of our
other financial instruments: </FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="7%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">Cash equivalents, accounts receivable, investment in Federal Home Loan Bank (FHLB) stock, accounts payable, accrued liabilities, commercial paper
borrowings and FHLB borrowings &#150; 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></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="7%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">Long-term financing receivables &#150; The carrying values reported in the balance sheet for loans to franchisees approximate fair market value due to
the variable interest rates and respective collateral values of these assets. The long-term note receivable from M&amp;P bears interest at a rate similar to available market rates, and therefore carrying value approximates fair market value.
Long-term EA and tax client receivables related to RALs are carried at net realizable value which approximates fair value. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="7%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">Mortgage loans held for investment &#150; 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></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="7%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">Deposits &#150; 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></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="7%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="1%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">&#149;</FONT></TD>
<TD WIDTH="1%" VALIGN="top"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">Long-term debt and FHLB borrowings &#150; 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></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">-13-
</FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The carrying amounts and estimated fair values of our financial instruments
at January&nbsp;31, 2012 are as follows: </FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="78%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">(in 000s)</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Carrying<BR>Amount</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Estimated<BR>Fair Value</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Mortgage loans held for investment</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">430,189</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">260,691</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Deposits</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,593,604</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,585,985</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Long-term borrowings</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,040,237</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,078,152</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
</TABLE> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>7.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Goodwill and Intangible Assets </B></FONT></TD></TR></TABLE>
 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Changes in the carrying amount of the goodwill of our continuing operations for the nine months ended January&nbsp;31,
2012 consist of the following: </FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="88%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">(in 000s)</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Tax&nbsp;Services</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Balance at April&nbsp;30, 2011:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Goodwill</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">459,039</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Accumulated impairment losses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(24,888</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">434,151</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Changes:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Acquisitions</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">9,506</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Disposals and foreign currency changes</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(5,805</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Impairments</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(4,257</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Balance at January&nbsp;31, 2012:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Goodwill</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">462,740</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Accumulated impairment losses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(29,145</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">433,595</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:2px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">In the current year, we discontinued service under our ExpressTax brand. As a result, we
recorded an impairment of the reporting unit&#146;s goodwill, which totaled $4.3 million. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT STYLE="font-family:Times New Roman" 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. </FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Intangible assets of our continuing operations consist of the following: </FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="40%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="18" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">(in 000s)</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">As of</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">January 31, 2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">April&nbsp;30,&nbsp;2011</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Gross<BR>Carrying<BR>Amount</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Accumulated<BR>Amortization</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Net</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Gross<BR>Carrying<BR>Amount</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Accumulated<BR>Amortization</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Net</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Tax Services:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Customer relationships</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">90,355</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(44,805</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">45,550</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">87,624</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(41,076</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">46,548</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Noncompete agreements</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">23,725</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(22,628</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,097</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">23,456</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(22,059</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,397</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Reacquired franchise rights</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">214,330</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(13,052</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">201,278</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">214,330</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(9,961</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">204,369</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Franchise agreements</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">19,201</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(4,053</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">15,148</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">19,201</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(3,093</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">16,108</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Purchased technology</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">14,700</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(10,200</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">4,500</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">14,700</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(8,505</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">6,195</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Trade name</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,325</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(750</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">575</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,325</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(600</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">725</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">363,636</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(95,488</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">268,148</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">360,636</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(85,294</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">275,342</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:2px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Amortization of intangible assets of our continuing operations for the three and nine
months ended January&nbsp;31, 2012 was $4.7 and $15.2 million, respectively. Additionally, we recorded an impairment of customer relationships of $4.0 million, related to the discontinuation of our ExpressTax brand, as discussed above. Amortization
of intangible assets of our continuing operations for the three and nine months ended January&nbsp;31, 2011 was $4.5 and $12.8 million, respectively. Estimated amortization of </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">-14-
</FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">
intangible assets for fiscal years 2012 through 2016 is $17.7 million, $16.5 million, $14.6 million, $11.3 million and $10.7 million, respectively. </FONT></P>
<P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>8.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Borrowings </B></FONT></TD></TR></TABLE>
 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Borrowings consist of the following: </FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="48%"></TD>
<TD VALIGN="bottom" WIDTH="10%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="10%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="10%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(in 000s)</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">As of</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">January&nbsp;31,&nbsp;2012</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">January&nbsp;31,&nbsp;2011</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">April&nbsp;30,&nbsp;2011</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Commercial paper</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">230,947</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">632,566</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD>
<TD HEIGHT="16" COLSPAN="4"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Senior Notes, 7.875%, due January 2013</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">599,871</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">599,758</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">599,788</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Senior Notes, 5.125%, due October 2014</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">399,364</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">399,117</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">399,177</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Other</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">41,002</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">40,913</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">41,119</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Total long-term debt</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,040,237</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,039,788</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,040,084</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Less: Current portion</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(630,996</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(551</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(557</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">409,241</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,039,237</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,039,527</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:12px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">We had commercial paper borrowings of $230.9 million at January&nbsp;31, 2012, compared
to $632.6 million at the same time last year. These borrowings were used to fund our off-season losses and cover our seasonal working capital needs. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">As of January&nbsp;31, 2012, our $600.0 million Senior Notes are included in current portion of long-term debt in our condensed consolidated balance sheet due to their contractual maturity in January
2013. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">At January&nbsp;31, 2012, we maintained a committed line of credit (CLOC) agreement to support
commercial paper issuances, general corporate purposes or for working capital needs. This facility provides funding up to $1.7 billion and matures July&nbsp;31, 2013. This facility bears interest at an annual rate of LIBOR plus 1.30% to 2.80% or
PRIME plus 0.30% to 1.80% (depending on the type of borrowing) and includes an annual facility fee of 0.20% to 0.70% of the committed amounts (based on our credit ratings). Covenants in this facility include: (1)&nbsp;maintenance of a minimum equity
of $650.0 million on the last day of any fiscal quarter; and (2)&nbsp;reduction of the aggregate outstanding principal amount of short-term debt, as defined in the CLOC agreement, to $200.0 million or less for thirty consecutive days during the
period March&nbsp;1 to June&nbsp;30 of each year. At January&nbsp;31, 2012, we were in compliance with these covenants and had net worth of $806.4 million. We had no balance outstanding under the CLOC at January&nbsp;31, 2012. Effective
March&nbsp;2, 2012, we amended our CLOC agreement to reduce the amount of minimum equity that we must maintain as of the last day of any fiscal quarter from $650.0 million to $500.0 million. </FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">HRB Bank is a member of the FHLB of Des Moines, which extends credit to member banks based on eligible collateral. At
January&nbsp;31, 2012, HRB Bank had total FHLB advance capacity of $284.2 million. There was $25.0 million outstanding on this facility, leaving remaining availability of $259.2 million. Mortgage loans held for investment of $372.7 million serve as
eligible collateral and are used to determine total capacity. </FONT></P> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>9.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Income Taxes </B></FONT></TD></TR></TABLE>
 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%"><FONT STYLE="font-family:Times New Roman" 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 2010 are currently under examination by the Internal Revenue Service, with the 1999-2007 years currently at the appellate level. Federal returns for tax years prior
to 1999 are closed by statute. Historically, tax returns in various foreign and state jurisdictions are examined and settled upon completion of the exam. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">We had gross unrecognized tax benefits of $199.2&nbsp;million and $154.8 million at January&nbsp;31, 2012 and April&nbsp;30, 2011, respectively. The gross unrecognized tax benefits increased
$44.4&nbsp;million net in the current year, due primarily to accruals of tax on positions related to current and prior years partially offset by statute of limitations expirations and settlements with taxing authorities. A majority of the tax
expense related to the increase in unrecognized benefits is recorded in discontinued operations as it relates to </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">-15-
</FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">
operations that have been discontinued and/or disposed. Except as noted below, we have classified the liability for unrecognized tax benefits, including corresponding accrued interest, as
long-term at January&nbsp;31, 2012, and included this amount in other noncurrent liabilities on the condensed consolidated balance sheet. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT
STYLE="font-family:Times New Roman" 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
unrecognized tax benefits may decrease by approximately $3.5 million within the twelve month period after January&nbsp;31, 2012. This portion of our liability for unrecognized tax benefits has been classified as current and is included in accounts
payable, accrued expenses and other current liabilities on the condensed consolidated balance sheets. </FONT></P> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>10.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Interest Income and Expense </B></FONT></TD></TR></TABLE>
 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The following table shows the components of interest income and expense of our continuing operations: </FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="40%"></TD>
<TD VALIGN="bottom" WIDTH="10%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="10%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="10%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="10%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">(in 000s)</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">Three&nbsp;months&nbsp;ended&nbsp;January&nbsp;31,</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">Nine&nbsp;months&nbsp;ended&nbsp;January&nbsp;31,</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">2012</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">2011</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">2012</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">2011</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Interest income:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Emerald Advance lines of credit</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">30,062</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">46,132</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">30,297</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">47,590</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Mortgage loans, net</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">4,948</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">5,923</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">15,760</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">18,771</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Other</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">4,466</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">3,957</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">13,680</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">10,305</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">39,476</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">56,012</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">59,737</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">76,666</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Interest expense:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Borrowings</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">21,382</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">21,678</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">63,625</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">62,903</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Deposits</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">2,011</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">2,587</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">5,275</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">6,457</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">FHLB advances</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">150</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">397</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">452</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,189</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">23,543</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">24,662</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">69,352</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">70,549</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
</TABLE> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>11.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Regulatory Requirements </B></FONT></TD></TR></TABLE>
 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">HRB Bank historically filed its regulatory Thrift Financial Report (TFR) on a calendar quarter basis with the Office of
Thrift Supervision (OTS). In July 2011, as a result of the Dodd-Frank Wall Street Reform and Consumer Protection Act (the Reform Act), the responsibility and authority of the OTS moved to the Office of the Comptroller of the Currency (OCC). HRB Bank
filed its TFRs with the OCC through December&nbsp;31, 2011. Beginning March&nbsp;31, 2012, HRB Bank will file Reports of Condition and Income (Call Report) with the OCC quarterly. Additionally, H&amp;R Block, Inc. as the bank holding company is now
regulated by the Federal Reserve Bank and, as such, is subject to certain reporting requirements. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">-16-
</FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:8%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The following table sets forth HRB Bank&#146;s regulatory capital requirements, as
calculated in its TFR: </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR>
<TD WIDTH="49%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="24" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">(dollars in 000s)</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="4" VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD COLSPAN="5" VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="2">To&nbsp;Be&nbsp;Well</FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="2">Capitalized</FONT></P></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></P></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="8" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="2">Actual</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">For&nbsp;Capital&nbsp;Adequacy<BR>Purposes</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="2">Under&nbsp;Prompt</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="2">Corrective</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="2">Action<BR>Provisions
</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Amount</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Ratio</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Amount</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Ratio</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Amount</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Ratio</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">As of December&nbsp;31, 2011:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Total risk-based capital ratio </FONT><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT><FONT STYLE="font-family:ARIAL" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">411,163</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">48.8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">67,407</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">8.0</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">84,258</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">10.0</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Tier 1 risk-based capital ratio </FONT><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP></FONT><FONT STYLE="font-family:ARIAL" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">400,438</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">47.5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">N/A</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">N/A</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">50,555</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">6.0</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Tier 1 capital ratio (leverage) </FONT><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP></FONT><FONT STYLE="font-family:ARIAL" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">400,438</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">25.6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">187,642</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">12.0</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">78,184</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">5.0</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Tangible equity ratio
</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(4)</SUP></FONT><FONT STYLE="font-family:ARIAL" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">400,438</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">25.6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">23,455</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1.5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">N/A</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">N/A</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">As of March&nbsp;31, 2011:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Total risk-based capital ratio </FONT><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT><FONT STYLE="font-family:ARIAL" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">405,000</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">92.5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">35,019</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">8.0</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">43,773</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">10.0</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Tier 1 risk-based capital ratio </FONT><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP></FONT><FONT STYLE="font-family:ARIAL" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">399,187</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">91.2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">N/A</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">N/A</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">26,264</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">6.0</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Tier 1 capital ratio (leverage) </FONT><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP></FONT><FONT STYLE="font-family:ARIAL" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">399,187</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">22.8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">209,758</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">12.0</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">87,399</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">5.0</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">%&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Tangible equity ratio </FONT><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(4)</SUP></FONT><FONT STYLE="font-family:ARIAL" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">399,187</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">22.8</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">26,220</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1.5</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">%&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">N/A</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">N/A</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
</TABLE></DIV> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Total risk-based capital divided by risk-weighted assets. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Tier 1 (core) capital less deduction for low-level recourse and residual interest divided by risk-weighted assets. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(3)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Tier 1 (core) capital divided by adjusted total assets. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(4)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">Tangible capital divided by tangible assets. </FONT></P></TD></TR></TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P> <P STYLE="margin-top:7px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Block Financial
LLC (BFC) typically makes capital contributions to HRB Bank to help it meet its capital requirements. BFC made capital contributions to HRB Bank of $200.0 million during the nine months ended January&nbsp;31, 2012, with an additional $200.0 million
contributed in February 2012. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">As of January&nbsp;31, 2012, HRB Bank&#146;s leverage ratio was 27.1%.
</FONT></P> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>12.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Commitments and Contingencies </B></FONT></TD></TR></TABLE>
 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%"><FONT STYLE="font-family:Times New Roman" 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>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="82%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">(in 000s)</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Nine months ended January&nbsp;31,</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">2011</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Balance, beginning of period</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">140,603</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">141,542</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Amounts deferred for new guarantees issued</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">19,471</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">19,376</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Revenue recognized on previous deferrals</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(57,254</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(59,882</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Balance, end of period</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">102,820</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">101,036</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:7px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">In addition to amounts accrued for our POM guarantee, we had accrued $12.5 million and
$14.7 million at January&nbsp;31, 2012 and April&nbsp;30, 2011, respectively, related to our standard guarantee which is included with our standard tax preparation services. </FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The following table summarizes certain of our other contractual obligations and commitments: </FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="72%"></TD>
<TD VALIGN="bottom" WIDTH="9%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="9%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">(in 000s)</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">As of</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">January&nbsp;31,&nbsp;2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">April&nbsp;30,&nbsp;2011</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Franchise Equity Lines of Credit &#150; undrawn commitment</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">22,209</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">37,695</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Media advertising purchase obligation</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">5,714</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">9,498</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:6px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">We have recorded liabilities totaling $8.2 million and $11.0 million as of
January&nbsp;31, 2012 and April&nbsp;30, 2011, respectively, in conjunction with contingent payments related to recent acquisitions of our continuing operations, with the short-term amount recorded in accounts payable, accrued expenses and
</FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">-17-
</FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">
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="margin-top:0px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT STYLE="font-family:Times New Roman" 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)&nbsp;tax, legal
and other risks related to the purchase or disposition of businesses; (2)&nbsp;penalties and interest assessed by federal and state taxing authorities in connection with tax returns prepared for clients; (3)&nbsp;indemnification of our directors and
officers; and (4)&nbsp;third-party claims relating to various arrangements in the normal course of business. Typically, there is no stated maximum payment related to these indemnifications, and the terms of the indemnities may vary and in many cases
are limited only by the applicable statute of limitations. The likelihood of any claims being asserted against us and the ultimate liability related to any such claims, if any, is difficult to predict. While we cannot provide assurance we will
ultimately prevail in the event any such claims are asserted, we believe the fair value of guarantees and indemnifications relating to our continuing operations is not material as of January&nbsp;31, 2012. </FONT></P>
<P STYLE="margin-top:7px;margin-bottom:0px; margin-left:4%"><FONT STYLE="font-family:ARIAL" SIZE="2">Variable Interests </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">We
evaluated our financial interests in variable interest entities (VIEs) as of January&nbsp;31, 2012 and determined that, other than the changes related to the sale of RSM, there have been no significant changes related to those financial interests.
</FONT></P> <P STYLE="margin-top:7px;margin-bottom:0px; margin-left:4%"><FONT STYLE="font-family:ARIAL" SIZE="2">Discontinued Operations &#150; Representation and Warranty Obligations </FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">SCC ceased originating mortgage loans in December 2007 and, in April 2008, sold its servicing assets and discontinued its remaining
operations. The sale of servicing assets did not include the sale of any mortgage loans. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">In connection with
the sale of loans and/or residential mortgage-backed securities (RMBS), SCC made certain representations and warranties, including, but not limited to, representations relating to matters such as ownership of the loan, validity of the lien securing
the loan, borrower fraud and the loan&#146;s compliance with SCC&#146;s underwriting criteria. Representations and warranties related to borrower fraud in whole loan sale transactions to institutional investors, which represented approximately 68%
of the disposal of originated loans, included a &#147;knowledge qualifier&#148; which limits SCC&#146;s liability to those instances where SCC had knowledge of the fraud at the time the loans were sold. Representations and warranties made in other
sale transactions did not include a knowledge qualifier. In the event that there is a breach of a representation and warranty and such breach materially and adversely affects the value of a mortgage loan or a securitization insurer&#146;s or
bondholders&#146; interest in the mortgage loan, SCC may be obligated to repurchase the loan or otherwise indemnify certain parties for losses incurred in connection with loan liquidation. Generally, repurchase requests are not subject to a stated
term, but actions to enforce a repurchase obligation would be subject to the applicable statutes of limitations. </FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Representation and warranty claims received by SCC have primarily related to alleged breaches of representations and
warranties related to a loan&#146;s compliance with the underwriting standards established by SCC at origination and borrower fraud. Claims received since May&nbsp;1, 2008 are as follows: </FONT></P>
<P STYLE="font-size:7px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="31%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" COLSPAN="52" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">(in millions)</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="2">Fiscal&nbsp;Year</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">Fiscal&nbsp;Year&nbsp;2010</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">Fiscal&nbsp;Year&nbsp;2011</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="9" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">Fiscal Year 2012</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">2009</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Q1</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Q2</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Q3</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Q4</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Q1</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Q2</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Q3</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Q4</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Q1</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Q2</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Q3</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Total</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" COLSPAN="16"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Loan Origination Year:</FONT></P></TD>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">2005</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">62</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">15</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">89</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">2006</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">217</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">57</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">45</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">100</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">15</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">29</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">50</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">29</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">130</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">29</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">707</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">2007</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">153</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">11</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">353</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">548</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Total</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">432</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">83</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">11</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">45</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">109</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">21</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">33</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">55</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">31</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">483</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">35</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,344</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
<TR>
<TD HEIGHT="5" COLSPAN="53"></TD></TR>
<TR>
<TD VALIGN="top" COLSPAN="52" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">Note: The table above excludes amounts related to an indemnity agreement dated April 2008, which is discussed below.</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
</TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">-18-
</FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">SCC received $35 million in claims in the third quarter of fiscal year 2012,
most of which were asserted by a private-label securitization trustee on behalf of bondholders ($29 million) with the remainder asserted by monoline insurers ($6 million). The nature of the claims and the characteristics of the loans to which they
relate, including loan vintage, loan performance characteristics, and alleged breaches of representations and warranties, are generally consistent with claims received in prior periods. The amount of claims received varies from period to period, and
these variances have been and are expected to continue to fluctuate substantially. Although there is no certainty regarding future claims volume, expiring statutes of limitations and developments in securities litigation and other proceedings to
which we are not a party could impact claim volumes during upcoming periods. SCC believes that claim volumes fluctuate in relation to the volume of requests from third parties for access to loan files managed by the party that services the majority
of the outstanding SCC-originated loans. SCC and the servicer are currently in a legal dispute over the manner in which the servicer provides that access and the results of the dispute could impact the loan file access of third parties. </FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">For claims received, reviewed and determined to be valid or otherwise settled, SCC has complied with its obligations by
either repurchasing the mortgage loans or related collateral, reimbursing losses in connection with liquidated collateral, or reaching other settlements. Since May 2008, SCC has denied approximately 88% of all claims reviewed, excluding loans
covered by other settlements. Of claims determined to be valid, approximately 22% resulted in loan repurchases and 78% resulted in reimbursement or settlement payments. Losses on loan repurchase, indemnification and settlement payments totaled
approximately $120 million for the period May&nbsp;1, 2008 through January&nbsp;31, 2012. Loss severity rates on repurchases and indemnification have approximated 59% and SCC has not observed any material trends related to average losses.
Repurchased loans are considered held for sale and are included in prepaid expenses and other current assets on the condensed consolidated balance sheets. The net balance of all mortgage loans held for sale by SCC was $10.6 million at
January&nbsp;31, 2012. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">SCC generally has 60 to 120 days to respond to representation and warranty claims and
performs a loan-by-loan review of all claims during this time. During the current quarter, SCC completed its review of prior period claims with an approximate principal balance of $220 million. Claims determined to be valid during the current
quarter have estimated losses of $1.2 million. Payments related to these claims remained pending at January&nbsp;31, 2012. Counterparties are able to reassert claims that SCC has denied. Claims totaling approximately $399 million remained subject to
review as of January&nbsp;31, 2012. As of January&nbsp;31, 2012, approximately $79 million of claims under review represent a reassertion of previously denied claims. </FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">All claims asserted against SCC since May&nbsp;1, 2008 relate to loans originated during calendar years 2005 through 2007,
of which, approximately 90% relate to loans originated in calendar years 2006 and 2007. During calendar years 2005 through 2007, SCC originated approximately $84 billion in loans, of which less than 1% were sold directly to government sponsored
entities. Government sponsored entities also purchased bonds backed by SCC-originated mortgage loans and, with respect to these bonds, have the same rights as other bondholders in private label securitizations. SCC is not subject to representation
and warranty losses on loans that have been paid in full, repurchased, or were sold without recourse. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The
majority of claims asserted since May&nbsp;1, 2008 determined by SCC to represent a valid breach of its representations and warranties, relate to loans that became delinquent within the first two years following the origination of the mortgage loan.
Based on its experiences to date, SCC believes the longer a loan performs prior to an event of default, the less likely the default will be related to a breach of a representation and warranty. A loan that defaults within the first two years
following the origination of the mortgage loan does not necessarily default due to a breach of a representation and warranty. Loans originated in 2005, 2006 and 2007 that defaulted in the first two years totaled $4.0 billion, $6.3 billion and $2.9
billion, respectively. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">SCC estimates losses relating to representation and warranty claims by estimating loan
repurchase and indemnification obligations based on historical validity and severity rates on both known claims and projections of future claims. Projections of future claims are based on an analysis that includes a review of the terms and
provisions of related agreements, the historical experience under repurchase and indemnification obligations related to breaches of representations and warranties and third-party activity, which includes inquiries from various third-parties, loan
file access by third parties, and repurchase </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">-19-
</FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">
demands. SCC&#146;s methodology for calculating this liability also includes an assessment of the probability that individual counterparties (private label securitization trustees on behalf of
bondholders, monoline insurers and whole-loan purchasers) will assert future claims. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">SCC has recorded a
liability for estimated contingent losses related to representation and warranty claims as of January&nbsp;31, 2012 of $142.9 million, which represents SCC&#146;s estimate of the probable loss that may occur. Although SCC reviewed claims during the
quarter that were deemed valid, payments related to those claims were still pending as of January&nbsp;31, 2012. As such, the balance of the recorded liability at January&nbsp;31, 2012 remained unchanged from the preceding quarter. During the second
quarter of fiscal year 2012, SCC observed substantially increased third-party activity.&nbsp;As a result of this third-party activity, SCC&#146;s estimate of probable claims increased from its prior expectations and accordingly, it recorded an
additional loss provision at the end of the second quarter. In the third quarter of fiscal year 2012, third-party activity decreased relative to the second quarter.&nbsp;During the prior fiscal year, SCC made payments totaling $49.8 million under an
indemnity agreement dated April 2008 with a specific counterparty in exchange for a full and complete release of such party&#146;s ability to assert representation and warranty claims. The indemnity agreement was given as part of obtaining the
counterparty&#146;s consent to SCC&#146;s sale of its mortgage servicing business in 2008. SCC has no remaining payment obligations under this indemnity agreement. </FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The recorded liability represents SCC&#146;s estimate of losses from future representation and warranty claims where
assertion of a claim and a related contingent loss are both determined to be probable. Because the rate at which future claims may be determined to be valid and actual loss severity rates may differ significantly from historical experience, SCC is
not able to estimate reasonably possible loss outcomes in excess of its current accrual. A 1% increase in both assumed validity rates and loss severities would result in losses beyond SCC&#146;s accrual of approximately $22 million. This sensitivity
is hypothetical and is intended to provide an indication of the impact of a change in key assumptions on the representations and warranties liability. In reality, changes in one assumption may result in changes in other assumptions, which could
affect the sensitivity and the amount of losses. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">While SCC uses what it believes to be the best information
available to it in estimating its liability, assessing the likelihood that claims will be asserted in the future and estimating probable losses are inherently subjective and require considerable management judgment. To the extent that the volume of
asserted claims, the level of valid claims, the counterparties asserting claims, the nature of claims, or the value of residential home prices, among other factors, differ in the future from current estimates, future losses may be greater than the
current estimates and those differences may be significant. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">A rollforward of our liability for losses on
repurchases for the nine months ended January&nbsp;31, 2012 and 2011 is as follows: </FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="82%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">(in 000s)</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Nine months ended January&nbsp;31,</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">2011</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Balance at beginning of period:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Amount related to repurchase and indemnifications</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">126,260</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">138,415</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Amount related to indemnity agreement dated April 2008</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">49,785</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">126,260</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">188,200</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Changes:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Provision for estimated losses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">20,000</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Losses on repurchase and indemnifications</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(3,337</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(7,652</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Payments under indemnity agreement dated April 2008</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(25,562</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Balance at end of period:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Amount related to repurchase and indemnifications</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">142,923</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">130,763</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Amount related to indemnity agreement dated April 2008</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">24,223</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">142,923</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">154,986</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:2px;margin-bottom:0px; margin-left:4%"><FONT STYLE="font-family:ARIAL" SIZE="2">Discontinued Operations &#150; Indemnification Obligations </FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">SCC may also have indemnification obligations with respect to loans and securities it originated and sold, as discussed in note 14.
</FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">-20-
</FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">See discussion in note 13 below for indemnification obligations related to
the sales of RSM and MCM. </FONT></P> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>13.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Discontinued Operations </B></FONT></TD></TR></TABLE>
 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">As of January&nbsp;31, 2012, the results of operations and the related losses on the sale of RSM and MCM businesses are
presented as discontinued operations in the condensed consolidated financial statements. Our discontinued operations also include the results of operations of SCC, which exited its mortgage business in fiscal year 2008. </FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">In connection with the sale of RSM and MCM, we indemnified the buyers against certain litigation matters. The indemnities
are not subject to a stated term or limit. Accounting Standards Codification 460 &#150; Guarantees (ASC 460) requires that we recognize a liability for the estimated fair value of guarantee and indemnification obligations at the inception of the
arrangement. We have estimated an aggregate fair value of $6.0 million related to these indemnifications and recorded a liability in that amount as of the date of the sales. Subsequent changes in this liability will be determined in accordance with
ASC 460 and ASC 450 &#150; Loss Contingencies and recorded in discontinued operations. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The results of
operations of our discontinued operations are as follows: </FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="61%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">(in 000s)</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">Three&nbsp;months&nbsp;ended<BR>January 31,</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;<BR>&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">Nine months ended<BR>January 31,</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;<BR>&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">2011</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">2011</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Revenues</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">50,508</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">171,071</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">416,436</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">549,180</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Pretax income (loss) from operations:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">RSM and related businesses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,117</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">8,327</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">18,831</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">15,228</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Mortgage</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(27,385</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(10,551</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(54,019</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(17,125</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(26,268</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(2,224</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(35,188</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(1,897</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR>
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Income taxes (benefit)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(6,462</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(537</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(10,268</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">268</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Net income (loss) from operations</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(19,806</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(1,687</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(24,920</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(2,165</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Pretax loss on sales of businesses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(236</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(109,485</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Income tax benefit</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(20,260</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(59,969</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Net gain (loss) on sales of businesses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">20,024</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(49,519</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Net income (loss) from discontinued operations</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">218</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(1,687</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(74,436</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(2,165</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
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</TABLE> <P STYLE="margin-top:2px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The sale of RSM resulted in a pretax financial statement loss, but produced a gain for tax
purposes. The tax gain resulted primarily from larger amortization deductions taken for tax purposes than for financial statement purposes. A portion of the gain from the sale of intangible assets is capital in nature and can be offset by
utilization of capital loss carry forwards. A net income tax benefit of $20.5 million was recorded in discontinued operations related to the sale. </FONT></P> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>

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<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Litigation and Related Contingencies </B></FONT></TD></TR></TABLE>
 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">We are a defendant in a large number of litigation matters, arising both in the ordinary course of business and
otherwise, including as described below. The matters described below are not all of the lawsuits to which we are subject. In some of the matters, very large and/or indeterminate amounts, including punitive damages, are sought.
U.S.&nbsp;jurisdictions permit considerable variation in the assertion of monetary damages or other relief. Jurisdictions may permit claimants not to specify the monetary damages sought or may permit claimants to state only that the amount sought is
sufficient to invoke the jurisdiction of the trial court. In addition, jurisdictions may permit plaintiffs to allege monetary damages in amounts well exceeding reasonably possible verdicts in the jurisdiction for similar matters. We believe that the
monetary relief which may be specified in a lawsuit or claim bears little relevance to its merits or disposition value due to this variability in pleadings and our experience in litigating or resolving through settlement numerous claims over an
extended period of time. </FONT></P>
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 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The outcome of a litigation matter and the amount or range of potential loss
at particular points in time may be difficult to ascertain. Among other things, uncertainties can include how fact finders will evaluate documentary evidence and the credibility and effectiveness of witness testimony, and how trial and appellate
courts will apply the law. Disposition valuations are also subject to the uncertainty of how opposing parties and their counsel will themselves view the relevant evidence and applicable law. </FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">In addition to litigation matters, we are also subject to other claims and regulatory investigations arising out of our
business activities, including as described below. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">We establish liabilities for litigation and regulatory loss
contingencies when it is probable that a loss has been incurred and the amount of the loss can be reasonably estimated. Liabilities have been established for a number of the matters noted below. For such matters where a loss is believed to be
reasonably possible, but not probable, no accrual has been made. It is possible that litigation and regulatory matters could require us to pay damages or make other expenditures or establish accruals in amounts that could not be reasonably estimated
at January&nbsp;31, 2012. While the potential future charges could be material in the particular quarterly or annual periods in which they are recorded, based on information currently known, we do not believe any such charges are likely to have a
material adverse effect on our consolidated financial position, results of operations and cash flows. As of January&nbsp;31, 2012, we have accrued $89.0 million, including obligations under certain indemnifications, compared to $70.6 million at
April&nbsp;30, 2011. </FONT></P> <P STYLE="margin-top:7px;margin-bottom:0px; margin-left:4%"><FONT STYLE="font-family:ARIAL" SIZE="2">Matters as to Which an Estimate Can Be Made </FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">For some matters, we are able to estimate a reasonably possible range of loss. For those matters, as of January&nbsp;31, 2012, we estimate
the aggregate range of reasonably possible losses in excess of amounts accrued to be approximately $0 to $61&nbsp;million. </FONT></P> <P STYLE="margin-top:7px;margin-bottom:0px; margin-left:4%"><FONT STYLE="font-family:ARIAL" SIZE="2">Matters as to
Which an Estimate Cannot Be Made </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">For other matters, we are not currently able to estimate the reasonably possible loss or
range of loss. We are often unable to estimate the possible loss or range of loss until developments in such matters have provided sufficient information to support an assessment of the range of possible loss, such as quantification of a damage
demand from plaintiffs, discovery from other parties and investigation of factual allegations, rulings by the court on motions or appeals, analysis by experts, and the progress of settlement negotiations. On a quarterly and annual basis, we review
relevant information with respect to litigation contingencies and update our accruals, disclosures and estimates of reasonably possible losses or ranges of loss based on such reviews. </FONT></P>
<P STYLE="margin-top:7px;margin-bottom:0px; margin-left:4%"><FONT STYLE="font-family:ARIAL" SIZE="2">Litigation and Other Claims Pertaining to Discontinued Mortgage Operations </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Although SCC&#146;s mortgage loan origination activities ceased in December 2007 and SCC&#146;s loan servicing business was sold in April 2008, SCC and HRB have been, remain and may in the future be
subject to investigations, claims and lawsuits pertaining to SCC&#146;s mortgage business activities that occurred prior to such termination and sale. These investigations, claims and lawsuits include actions by state and federal regulators, third
party indemnitees, individual plaintiffs, and cases in which plaintiffs seek to represent a class of others alleged to be similarly situated. Among other things, these investigations, claims and lawsuits allege discriminatory or unfair and deceptive
loan origination and servicing practices, fraud and other common law torts, rights to indemnification, and violations of securities laws, the Truth in Lending Act (TILA), Equal Credit Opportunity Act and the Fair Housing Act. Given the non-prime
mortgage environment, the number of these investigations, claims and lawsuits has increased over time and is expected to continue to increase further. The amounts claimed in these investigations, claims and lawsuits are substantial in some
instances, and the ultimate resulting liability is difficult to predict and thus in many cases cannot be reasonably estimated. In the event of unfavorable outcomes, the amounts that may be required to be paid in the discharge of liabilities or
settlements could be substantial and could have a material impact on our consolidated financial position, results of operations and cash flows. Certain of these matters are described in more detail below. </FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">On February&nbsp;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&nbsp;styled <I>Cecil Barrett, et al. v. Option One Mortgage Corp., et al. </I>(Civil Action No.&nbsp;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, </FONT></P>
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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&nbsp;24, 2011, the First Circuit Court of Appeals declined to hear the appeal, noting that the district court could reconsider its certification decision in
light of a recent ruling by the United States Supreme Court in an unrelated matter. SCC has filed a motion to decertify the class, which remains pending. A portion of our loss contingency accrual is related to this lawsuit for the amount of loss
that we consider probable and estimable. We believe SCC has meritorious defenses to the claims in this case and it intends to defend the case vigorously, but there can be no assurances as to its outcome or its impact on our consolidated financial
position, results of operations and cash flows. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">On December&nbsp;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 <I>Jeanne Drake, et al. v. Option One Mortgage Corp., et al. </I>(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.&nbsp;Plaintiffs seek to recover severance benefits of approximately $8 million, interest and attorney&#146;s fees, in addition to
penalties and punitive damages on certain claims. On September&nbsp;2, 2011, the court granted summary judgment in favor of the defendants on all claims. Plaintiffs have filed an appeal, which remains pending. We have not concluded that a loss
related to this matter is probable nor have we established a loss contingency related to this matter. We believe we have meritorious defenses to the claims in this case and intend to defend the case vigorously, but there can be no assurances as to
its outcome or its impact on our consolidated financial position, results of operations and cash flows. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">On
October&nbsp;15, 2010, the Federal Home Loan Bank of Chicago filed a lawsuit in the Circuit Court of Cook County, Illinois (Case No.&nbsp;10CH45033) styled <I>Federal Home Loan Bank of Chicago v. Bank of America Funding Corporation, et al.</I>
against multiple defendants, including various SCC-related entities, H&amp;R Block, Inc. and other entities, arising out of FHLB&#146;s purchase of mortgage-backed securities. The plaintiff seeks rescission and damages under state securities law and
for common law negligent misrepresentation in connection with its purchase of two securities originated and securitized by SCC. These two securities had a total initial principal amount of approximately $50 million, of which approximately $41
million remains outstanding. The plaintiff agreed to voluntarily dismiss H&amp;R Block, Inc. from the suit. The remaining defendants, including SCC, have filed motions to dismiss, which are pending. We have not concluded that a loss related to this
matter is probable nor have we established a loss contingency related to this matter. We believe SCC has meritorious defenses to the claims in this case and intends to defend the case vigorously, but there can be no assurances as to its outcome or
its impact on our consolidated financial position, results of operations and cash flows. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">SCC has been working
with the staff of the U.S. Securities and Exchange Commission in connection with the staff&#146;s investigation of matters related to eighteen RMBS transactions of SCC. Based on the progress of the investigation, the scope of which has continued to
narrow in focus, SCC has offered to resolve the matter with the payment of approximately $28 million. As a result, SCC has established a liability as of January&nbsp;31, 2012, which is included in our loss contingency accrual. Although we believe
that this matter can be resolved on satisfactory terms, any resolution of this matter would require approval by the U.S. Securities and Exchange Commission and of the U.S District Court, neither of which has been obtained, and which we cannot
provide assurance will be obtained on satisfactory terms or at all. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">SCC or its subsidiaries entered into
indemnification agreements with certain third parties that sold or underwrote the sale of securities. Some of those third parties are defendants in lawsuits where various other parties are seeking damages and other remedies based on the activities
of such third parties in the sale of RMBS, including in some instances, SCC securitizations. SCC has received notices from some of these third parties for indemnification against losses, including defense costs, that those third parties might incur
as a result of these lawsuits. We have not concluded that a loss related to any of these matters is probable nor have we established a loss contingency related to any of these matters. </FONT></P>
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 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%"><FONT STYLE="font-family:ARIAL" SIZE="2">Employment-Related Claims and Litigation </FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I></I>We have been named in several wage and hour class action lawsuits throughout the country, including <I>Alice Williams v. H&amp;R
Block Enterprises LLC</I>, Case No. RG08366506 (Superior Court of California, County of Alameda, filed January&nbsp;17, 2008) (alleging improper classification and failure to compensate for all hours worked and to provide meal periods to office
managers in California); <I>Arabella Lemus, et al. v. H&amp;R Block Enterprises LLC, et al., </I>Case No. CGC-09-489251 (United States District Court, Northern District of California, filed June&nbsp;9, 2009) (alleging failure to timely pay
compensation to tax professionals in California); <I>Delana Ugas, et al. v. H&amp;R Block Enterprises LLC, et al., </I>Case No. BC417700 (United States District Court, Central District of California, filed July&nbsp;13, 2009) (alleging failure to
compensate tax professionals in California for all hours worked and to provide meal periods); and <I>Barbara Petroski, et al. v. H&amp;R Block Eastern Enterprises, Inc., et al., Case No.&nbsp;10-CV-00075 (United States District Court, Western
District of Missouri, filed January&nbsp;25, 2010) (alleging failure to compensate tax professionals nationwide for off-season training). </I></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">A class was certified in the <I>Lemus </I>case in December 2010 (consisting of tax professionals who worked in company-owned offices in California from 2007 to 2010); in the <I>Williams </I>case in March
2011 (consisting of office managers who worked in company-owned offices in California from 2004 to 2011); and in the <I>Ugas </I>case in August 2011 (consisting of tax professionals who worked in company-owned offices in California from 2006 to
2011). In <I>Petroski, </I>a conditional class was certified under the Fair Labor Standards Act in March 2011 (consisting of tax professionals nationwide who worked in company-owned offices and who were not compensated for certain training courses
occurring on or after April&nbsp;15, 2007). Two classes were also certified under state laws in California and New York (consisting of tax professionals who worked in company-owned offices in those states). A trial date has been set in the
<I>Williams </I>case for April&nbsp;30, 2012. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The plaintiffs in the wage and hour class action lawsuits seek
actual damages, pre-judgment interest and attorneys&#146; fees, in addition to statutory penalties under state and federal law, which could equal up to 30 days of wages per tax season for class members who worked in California. A portion of our loss
contingency accrual is related to these lawsuits for the amount of loss that we consider probable and estimable. The amounts claimed in these matters are substantial in some instances and the ultimate liability with respect to these matters is
difficult to predict. We believe we have meritorious defenses to the claims in these cases and intend to defend the cases vigorously, but there can be no assurances as to the outcome of these cases or their impact on our consolidated financial
position, results of operations and cash flows, individually or in the aggregate. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">To avoid the cost and
inherent risk associated with litigation, we reached an agreement to settle the <I>Lemus </I>case in January 2012, subject to approval by the federal court in California in which the case is pending. This settlement would require a maximum payment
of $35 million, although the actual cost of the settlement would depend on the number of valid claims submitted by class members. The federal court granted preliminary approval of the settlement on February&nbsp;10, 2012. A final approval hearing is
scheduled to occur on May&nbsp;10, 2012. We have recorded a liability for our estimate of the expected loss. If for any reason the settlement is not approved, we will continue to defend the case vigorously, but there can be no assurances as to its
outcome or its impact on our consolidated financial position, results of operations and cash flows. </FONT></P> <P STYLE="margin-top:7px;margin-bottom:0px; margin-left:4%"><FONT STYLE="font-family:ARIAL" SIZE="2">RAL and RAC Litigation </FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">We have been named in a putative class action styled <I>Sandra J. Basile, et al. v. H&amp;R Block, Inc., et al.</I>, April Term 1992 Civil
Action No.&nbsp;3246 in the Court of Common Pleas, First Judicial District Court of Pennsylvania, Philadelphia County, instituted on April&nbsp;23, 1993. The plaintiffs allege inadequate disclosures with respect to the RAL product and assert claims
for violation of consumer protection statutes, negligent misrepresentation, breach of fiduciary duty, common law fraud, usury, and violation of the TILA. Plaintiffs seek unspecified actual and punitive damages, injunctive relief, attorneys&#146;
fees and costs. A Pennsylvania class was certified, but later decertified by the trial court in December 2003. An appellate court subsequently reversed the decertification decision. We are appealing the reversal. We have not concluded that a loss
related to this matter is probable nor have we accrued a loss contingency related to this matter. We believe we have meritorious defenses to this case and intend to defend the case </FONT></P>
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vigorously, but there can be no assurances as to the outcome of this case or its impact on our consolidated financial position, results of operations and cash flows. </FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">A series of class action lawsuits were filed against us in various federal courts beginning on November&nbsp;17, 2011
concerning the RAL and RAC products, styled <I>Anthony Johnson v. H&amp;R Block, Inc., et. al. </I>(Case No.&nbsp;2:11-cv-09577) (C.D. Cal.); <I>Norma Molina-Servin v. H&amp;R Block, Inc., et. al. </I>(Case No.&nbsp;1:11-cv-08244) (N.D. Ill.);
<I>William Wimbley v. H&amp;R Block, Inc., et. al.</I> (Case No.&nbsp;1:11-cv-24159) (S.D. Fla.); <I>Sandy Morton v. H&amp;R Block, Inc., et. al.</I> (Case No.&nbsp;4:11-cv-00859) (E.D. Ark.); <I>Iris Orta v. H&amp;R Block, Inc., et. al. </I>(Case
No.&nbsp;2:11-cv-01149) (E.D. Wis.); <I>Maggie Murchio v. H&amp;R Block, Inc., et. al.</I> (Case No.1:12-cv-00063) (W.D. Md.); and <I>Catherine Gaddy v. H&amp;R Block, Inc., et. al. </I>(Case No.&nbsp;1:12-cv-00052) (M.D. N.C). The plaintiffs
generally allege we engaged in unfair, deceptive and/or fraudulent acts in violation of various state consumer protection laws by facilitating RALs that were accompanied by allegedly inaccurate TILA disclosures, and by offering RACs without any TILA
disclosures. Certain plaintiffs also allege violation of disclosure requirements of various state statutes expressly governing RALs and provisions of those statutes prohibiting tax preparers from charging or retaining certain fees. Collectively, the
plaintiffs seek to represent clients who purchased RAL or RAC products in up to forty-two states and the District of Columbia during timeframes ranging from 2007 to the present. The plaintiffs seek equitable relief, disgorgement of profits,
compensatory and statutory damages, restitution, civil penalties, attorneys&#146; fees and costs.&nbsp;The plaintiffs filed a motion with the Judicial Panel on Multidistrict Litigation on December&nbsp;9, 2011 to consolidate the cases before a
single court for pretrial proceedings (<I>In Re Refund Anticipation Loan Litigation</I>, MDL No.&nbsp;2334). This motion remains pending. We have not concluded that a loss related to this matter is probable nor have we accrued a loss contingency
related to this matter. We believe we have meritorious defenses to the claims in these cases, and we intend to defend the cases vigorously, but there can be no assurances as to the outcome or the impact on our consolidated financial position,
results of operations and cash flows. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; margin-left:4%"><FONT STYLE="font-family:ARIAL" SIZE="2">Express IRA Litigation </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">We have one remaining lawsuit regarding our former Express IRA product. That case was filed on January&nbsp;2, 2008 by the Mississippi Attorney General in the Chancery Court of Hinds County, Mississippi
First Judicial District (Case No. G 2008 6 S 2) and is styled <I>Jim Hood, Attorney for the State of Mississippi v. H&amp;R Block, Inc., H&amp;R Block Financial Advisors, Inc</I>., <I>et al. </I>The complaint alleges fraudulent business practices,
deceptive acts and practices, common law fraud and breach of fiduciary duty with respect to the sale of the product in Mississippi and seeks equitable relief, disgorgement of profits, damages and restitution, civil penalties and punitive damages. We
believe we have meritorious defenses to the claims in this case and intend to defend the case vigorously, but there can be no assurances as to its outcome or its impact on our consolidated financial position, results of operations and cash flows.
</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Although we sold H&amp;R Block Financial Advisors, Inc. (HRBFA) effective November&nbsp;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="margin-top:6px;margin-bottom:0px; margin-left:4%"><FONT STYLE="font-family:ARIAL" SIZE="2">Litigation and Claims Pertaining to the Discontinued Operations of RSM McGladrey </FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">On April&nbsp;17, 2009, a shareholder derivative complaint was filed by Brian Menezes, derivatively and on behalf of nominal defendant
International Textile Group, Inc. against McGladrey Capital Markets, LLC (MCM) in the Court of Common Pleas, Greenville County, South Carolina (C.A. No.&nbsp;2009-CP-23-3346) styled <I>Brian P. Menezes, Derivatively on Behalf of Nominal Defendant,
International Textile Group, Inc. (f/k/a Safety Components International, Inc.) v. McGladrey Capital Markets, LLC (f/k/a RSM EquiCo Capital Markets, LLC), et al.</I> Plaintiffs filed an amended complaint in October 2011 styled <I>In re International
Textile Group Merger Litigation</I>, adding a putative class action claim against MCM. Plaintiffs allege claims of aiding and abetting, civil conspiracy, gross negligence and breach of fiduciary duty against MCM in connection with a fairness opinion
MCM provided to the Special Committee of Safety Components International, Inc. (SCI)&nbsp;in 2006&nbsp;regarding the merger between International Textile Group, Inc. and SCI. Plaintiffs seek actual and punitive damages, pre-judgment interest,
attorneys&#146; fees and costs. On February&nbsp;8, 2012, the court dismissed plaintiffs&#146; civil conspiracy claim against all defendants. Plaintiffs&#146; </FONT></P>
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other claims remain pending. We have not concluded that a loss related to this matter is probable nor have we established a loss contingency related to this matter. We believe we have meritorious
defenses to the claims in this case and intend to defend the case vigorously, but there can be no assurances as to its outcome or its impact on our consolidated financial position, results of operations and cash flows. </FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">EquiCo, its parent and certain of its subsidiaries and affiliates, are parties to a class action filed on July&nbsp;11,
2006 and styled <I>Do Right&#146;s Plant Growers, et al. v. RSM EquiCo, Inc., et al. (the &#147;RSM Parties&#148;), </I>Case No.&nbsp;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&#146; fees. On
March&nbsp;17, 2009, the court granted plaintiffs&#146; motion for class certification on all claims. To avoid the cost and inherent risk associated with litigation, the parties reached an agreement to settle the case for a maximum payment of $41.5
million, although the actual cost of the settlement will depend on the number of valid claims submitted by class members. The California Superior Court granted final approval of the settlement on October&nbsp;20, 2011. We previously recorded a
liability for our best estimate of the expected loss. The amount we paid during our third quarter did not exceed the amount we had previously accrued. </FONT></P> <P STYLE="margin-top:7px;margin-bottom:0px; margin-left:4%"><FONT
STYLE="font-family:ARIAL" SIZE="2">Other </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">We are from time to time party to investigations, claims and lawsuits not discussed
herein arising out of our business operations. These investigations, claims and lawsuits may include actions by state attorneys general, other state regulators, federal regulators, individual plaintiffs, and cases in which plaintiffs seek to
represent a class of others similarly situated. We believe we have meritorious defenses to each of these investigations, claims and lawsuits, and we are defending or intend to defend them vigorously. The amounts claimed in these matters are
substantial in some instances; however, the ultimate liability with respect to such matters is difficult to predict. In the event of an unfavorable outcome, the amounts we may be required to pay in the discharge of liabilities or settlements could
have a material impact on our consolidated financial position, results of operations and cash flows. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT STYLE="font-family:Times New Roman" 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, &#147;Other Claims&#148;) concerning the preparation of customers&#146; income tax
returns, the fees charged customers for various products and services, relationships with franchisees, intellectual property disputes, employment matters and contract disputes. While we cannot provide assurance that we will ultimately prevail in
each instance, we believe the amount, if any, we are required to pay in the discharge of liabilities or settlements in these Other Claims will not have a material impact on our consolidated financial position, results of operations and cash flows.
</FONT></P> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>15.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Segment Information </B></FONT></TD></TR></TABLE>
 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Results of our continuing operations by reportable operating segment are as follows: </FONT></P>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="62%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">(in 000s)</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">Three months ended<BR>January 31,</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">Nine months ended<BR>January 31,</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">2011</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">2011</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Revenues:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Tax Services</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">655,701</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">672,810</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">868,144</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">875,376</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Corporate</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">7,579</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">7,486</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">24,953</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">24,345</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">663,280</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">680,296</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">893,097</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">899,721</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Pretax income (loss):</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Tax Services</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">31,716</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">4,114</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(311,733</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(324,865</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Corporate</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(32,742</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(30,082</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(93,823</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(91,770</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Loss from continuing operations before income tax (benefit)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(1,026</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(25,968</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(405,556</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(416,635</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">-26-
</FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">As of January&nbsp;31, 2012, the results of operations of our previously
reported Business Services segment are presented as discontinued operations in the condensed consolidated statements of operations. All periods presented have been reclassified to reflect our discontinued operations. See notes 1 and 13 for
additional information. </FONT></P> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>16.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Accounting Pronouncements </B></FONT></TD></TR></TABLE>
 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">In September 2011, the Financial Accounting Standards Board (FASB) issued Accounting Standards Update 2011-08,
&#147;Intangibles &#150; Goodwill and Other (Topic 350): Testing Goodwill for Impairment.&#148; Under the amendments in this guidance, an entity may consider qualitative factors before applying Step 1 of the goodwill impairment assessment, but may
no longer be permitted to carry forward estimates of a reporting unit&#146;s fair value from a prior year when specific criteria are met. These amendments are effective for goodwill impairment tests performed in fiscal years beginning after
December&nbsp;15, 2011. Early adoption is permitted. We are currently evaluating the effect of this guidance on our condensed consolidated financial statements. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">In June 2011, the FASB issued Accounting Standards Update 2011-05, &#147;Comprehensive Income (Topic 220): Statement of Comprehensive Income.&#148; 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&#146; 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&nbsp;15, 2011. Early adoption is permitted. We elected to adopt this
guidance as of May&nbsp;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="margin-top:0px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">In May 2011, the FASB issued Accounting Standards Update 2011-04, &#147;Fair Value Measurement (Topic 820): Amendments to Achieve Common Fair Value Measurement and Disclosure Requirements in U.S. GAAP and
IFRSs.&#148; Under the amendments in this guidance, an entity will be required to provide additional disclosures about the valuation processes and sensitivities of Level 3 assets and the categorization by level of the fair value hierarchy for items
that are not measured at fair value in the statement of financial position, but for which the fair value is required to be disclosed These amendments are effective for interim and annual periods beginning after December&nbsp;15, 2011. Early adoption
is not permitted. We do not expect this guidance to have a material effect on our condensed consolidated financial statements. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">In April 2011, the FASB issued Accounting Standards Update 2011-02, &#147;Receivables (Topic 310) &#150; A Creditor&#146;s Determination of Whether a Restructuring is a Troubled Debt Restructuring.&#148;
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&nbsp;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="margin-top:0px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">In October 2009, the FASB issued Accounting Standards Update 2009-13, &#147;Revenue Recognition (Topic 605) &#150;
Multiple-Deliverable Revenue Arrangements.&#148; 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)&nbsp;vendor-specific objective evidence; (2)&nbsp;third-party evidence; or (3)&nbsp;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&#146;s new multiple-deliverable revenue arrangements. We adopted this guidance as of May&nbsp;1, 2011 and it did not have a material effect on our condensed consolidated financial
statements. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">In December 2010, the FASB issued Accounting Standards Update 2010-28, &#147;Intangibles &#150;
Goodwill and Other (Topic 350): When to Perform Step 2 of the Goodwill Impairment Test for Reporting Units with Zero or Negative Carrying Amounts.&#148; The amendments affect reporting units whose carrying amount is
</FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">-27-
</FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">
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&nbsp;1, 2011 and it did not have a material effect on our
condensed consolidated financial statements. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">In December 2010, the FASB issued Accounting Standards Update
2010-29, &#147;Business Combinations (Topic 805): Disclosure of Supplementary Pro Forma Information for Business Combinations.&#148; 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&nbsp;1, 2011 and it did not have a material effect on our condensed
consolidated financial statements. </FONT></P> <P STYLE="font-size:14px;margin-top:0px;margin-bottom:0px">&nbsp;</P>

<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>17.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Condensed Consolidating Financial Statements </B></FONT></TD></TR></TABLE>
 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">BFC is an indirect, wholly-owned subsidiary of the Company. BFC is the Issuer and the Company is the Guarantor of the
Senior Notes issued on January&nbsp;11, 2008 and October&nbsp;26, 2004, our CLOC and other indebtedness issued from time to time. These condensed consolidating financial statements have been prepared using the equity method of accounting. Earnings
of subsidiaries are, therefore, reflected in the Company&#146;s investment in subsidiaries account. The elimination entries eliminate investments in subsidiaries, related stockholders&#146; equity and other intercompany balances and transactions.
</FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="43%"></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="6%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" COLSPAN="12" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2"><I>Condensed Consolidating Statements of Operations</I></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">(in 000s)</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Three months ended</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:ARIAL" SIZE="2">January&nbsp;31, 2012</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">H&amp;R&nbsp;Block,&nbsp;Inc.<BR>(Guarantor)</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">BFC<BR>(Issuer)</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Other<BR>Subsidiaries</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Eliminations</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Consolidated<BR>H&amp;R Block</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Total revenues</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">65,604</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">597,837</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(161</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">663,280</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Cost of revenues</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">77,965</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">377,436</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(161</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">455,240</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Selling, general and administrative</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">9,705</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">202,031</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">211,736</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Total expenses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">87,670</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">579,467</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(161</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">666,976</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Operating income (loss)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(22,066</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">18,370</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(3,696</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Other income (expense), net</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(1,026</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,301</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,369</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,026</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">2,670</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Income (loss) from continuing operations before tax (benefit)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(1,026</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(20,765</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">19,739</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,026</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(1,026</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Income tax (benefit)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">2,541</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">12,036</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(9,495</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(2,541</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">2,541</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Net income (loss) from continuing operations</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(3,567</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(32,801</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">29,234</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">3,567</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(3,567</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Net income (loss) from discontinued operations</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">218</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(15,695</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">15,913</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(218</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">218</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Net income (loss)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(3,349</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(48,496</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">45,147</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">3,349</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(3,349</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">-28-
</FONT></P>


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<h5 align="left"><a href="#toc">Table of Contents</a></h5>


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<TD WIDTH="42%"></TD>
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<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
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<TD VALIGN="bottom" WIDTH="5%"></TD>
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<TR>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Three months ended</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:ARIAL" SIZE="2">January&nbsp;31, 2012</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">H&amp;R&nbsp;Block,&nbsp;Inc.<BR>(Guarantor)</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">BFC<BR>(Issuer)</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Other<BR>Subsidiaries</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Eliminations</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Consolidated<BR>H&amp;R Block</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Total revenues</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">74,103</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">606,193</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">680,296</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Cost of revenues</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">118,708</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">376,176</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">494,884</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Selling, general and administrative</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">10,220</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">203,119</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">213,339</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Total expenses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">128,928</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">579,295</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">708,223</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Operating income (loss)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(54,825</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">26,898</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(27,927</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Other income (expense), net</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(25,968</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(521</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">2,480</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">25,968</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,959</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Income (loss) from continuing operations before taxes (benefit)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(25,968</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(55,346</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">29,378</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">25,968</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(25,968</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Income taxes (benefit)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(14,934</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(26,783</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">11,849</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">14,934</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(14,934</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Net income (loss) from continuing operations</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(11,034</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(28,563</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">17,529</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">11,034</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(11,034</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Net income (loss) from discontinued operations</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(1,687</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(8,283</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">6,596</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,687</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(1,687</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Net income (loss)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(12,721</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(36,846</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">24,125</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">12,721</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(12,721</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Three months ended January&nbsp;31, 2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">H&amp;R&nbsp;Block,&nbsp;Inc.<BR>(Guarantor)</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">BFC<BR>(Issuer)</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Other<BR>Subsidiaries</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Eliminations</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Consolidated<BR>H&amp;R Block</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Total revenues</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">104,937</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">788,321</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(161</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">893,097</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Cost of revenues</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">152,605</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">742,993</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(161</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">895,437</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Selling, general and administrative</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">24,044</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">388,357</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">412,401</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Total expenses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">176,649</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,131,350</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(161</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,307,838</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Operating loss</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(71,712</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(343,029</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(414,741</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Other income (expense), net</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(405,556</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">7,647</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,538</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">405,556</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">9,185</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Loss from continuing operations before tax benefit</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(405,556</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(64,065</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(341,491</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">405,556</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(405,556</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Income tax benefit</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(159,821</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(4,877</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(154,944</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">159,821</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(159,821</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Net loss from continuing operations</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(245,735</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(59,188</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(186,547</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">245,735</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(245,735</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Net loss from discontinued operations</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(74,436</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(36,398</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(38,038</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">74,436</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(74,436</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Net loss</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(320,171</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(95,586</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(224,585</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">320,171</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(320,171</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Nine months ended January&nbsp;31, 2011</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">H&amp;R Block, Inc.<BR>(Guarantor)</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">BFC<BR>(Issuer)</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Other<BR>Subsidiaries</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Eliminations</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Consolidated<BR>H&amp;R Block</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Total revenues</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">112,423</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">787,298</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">899,721</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Cost of revenues</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">193,695</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">758,839</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">952,534</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Selling, general and administrative</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">21,689</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">351,212</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">372,901</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Total expenses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">215,384</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,110,051</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,325,435</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Operating loss</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(102,961</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(322,753</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(425,714</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Other income (expense), net</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(416,635</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">4,751</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">4,328</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">416,635</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">9,079</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Loss from continuing operations before tax benefit</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(416,635</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(98,210</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(318,425</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">416,635</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(416,635</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Income tax benefit</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(166,349</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(42,278</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(124,071</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">166,349</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(166,349</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Net loss from continuing operations</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(250,286</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(55,932</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(194,354</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">250,286</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(250,286</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Net income (loss) from discontinued operations</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(2,165</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(12,617</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">10,452</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">2,165</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(2,165</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Net loss</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(252,451</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(68,549</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(183,902</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">252,451</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(252,451</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">-29-
</FONT></P>


<p Style='page-break-before:always'>
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<h5 align="left"><a href="#toc">Table of Contents</a></h5>


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<TR>
<TD WIDTH="39%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>

<TR>
<TD VALIGN="bottom" COLSPAN="4" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2"><I>Condensed Consolidating Balance Sheets</I></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">(in 000s)</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">As of January&nbsp;31, 2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">H&amp;R Block, Inc.<BR>(Guarantor)</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">BFC</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(Issuer)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Other<BR>Subsidiaries</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Eliminations</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Consolidated<BR>H&amp;R Block</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Cash&nbsp;&amp; cash equivalents</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,065,448</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">153,825</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(289</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,218,984</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Cash&nbsp;&amp; cash equivalents &#150; restricted</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">2,254</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">31,914</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">34,168</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Receivables, net</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">63</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">502,231</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">533,608</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,035,902</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Mortgage loans held for investment</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">430,189</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">430,189</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Intangible assets and goodwill, net</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">701,743</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">701,743</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Investments in subsidiaries</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,694,728</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,706</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(1,694,728</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,706</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Other assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">8,841</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">535,743</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">885,513</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,430,097</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Total assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,703,632</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">2,535,865</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">2,308,309</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(1,695,017</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">4,852,789</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Customer deposits</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,588,277</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(289</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,587,988</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Long-term debt</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">999,235</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">41,002</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,040,237</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Commercial paper borrowings</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">230,947</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">230,947</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">FHLB borrowings</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">25,000</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">25,000</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Other liabilities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">246</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(108,361</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,270,283</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,162,168</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Net intercompany advances</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">896,937</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">68,684</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(965,621</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Stockholders&#146; equity</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">806,449</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(267,917</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,962,645</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(1,694,728</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">806,449</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Total liabilities and stockholders&#146; equity</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,703,632</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">2,535,865</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">2,308,309</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(1,695,017</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">4,852,789</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">As of April&nbsp;30, 2011</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">H&amp;R&nbsp;Block,&nbsp;Inc.<BR>(Guarantor)</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">BFC</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(Issuer)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Other<BR>Subsidiaries</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Eliminations</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Consolidated<BR>H&amp;R Block</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Cash&nbsp;&amp; cash equivalents</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">616,238</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,061,656</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(50</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,677,844</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Cash&nbsp;&amp; cash equivalents &#150; restricted</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">9,522</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">38,861</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">48,383</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Receivables, net</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">88</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">102,011</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">128,073</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">230,172</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Mortgage loans held for investment, net</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">485,008</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">485,008</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Intangible assets and goodwill, net</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">709,493</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">709,493</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Investments in subsidiaries</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">2,699,555</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">32</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(2,699,555</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">32</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Assets held for sale</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">900,328</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">900,328</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Other assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">13,613</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">469,461</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">755,119</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,238,193</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Total assets</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">2,713,256</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,682,240</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">3,593,562</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(2,699,605</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">5,289,453</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Customer deposits</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">852,270</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(50</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">852,220</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Long-term debt</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">998,965</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">41,119</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,040,084</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">FHLB borrowings</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">25,000</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">25,000</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Liabilities held for sale</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">241,562</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">241,562</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Other liabilities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">178</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(26,769</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,707,604</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,681,013</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Net intercompany advances</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,263,504</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">24,173</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(1,287,677</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Stockholders&#146; equity</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,449,574</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(191,399</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">2,890,954</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(2,699,555</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,449,574</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Total liabilities and stockholders&#146; equity</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">2,713,256</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,682,240</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">3,593,562</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(2,699,605</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">5,289,453</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">-30-
</FONT></P>


<p Style='page-break-before:always'>
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<h5 align="left"><a href="#toc">Table of Contents</a></h5>


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<TR>
<TD WIDTH="45%"></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="5%"></TD>
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<TD></TD>
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<TD VALIGN="bottom" WIDTH="5%"></TD>
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<TD VALIGN="bottom" WIDTH="5%"></TD>
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<TD VALIGN="bottom" COLSPAN="12" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1"><I>Condensed Consolidating Statements of Cash Flows</I></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="1">(in&nbsp;000s)</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Nine months ended January&nbsp;31, 2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">H&amp;R&nbsp;Block,&nbsp;Inc.</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(Guarantor)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">BFC</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(Issuer)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Other<BR>Subsidiaries</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Eliminations</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">Consolidated</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">H&amp;R Block</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Net cash provided by (used in) operating activities:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">8,193</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(448,362</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(942,602</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(1,382,771</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Cash flows from investing:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Purchases of available-for-sale securities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(178,014</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(178,014</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Mortgage loans originated for investment, net</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">35,460</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">35,460</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Purchase property&nbsp;&amp; equipment</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(152</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(71,397</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(71,549</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Payments made for business acquisitions, net</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(16,022</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(16,022</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Proceeds from sale of businesses, net</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">533,055</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">533,055</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Loans made to franchisees</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(43,649</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(43,649</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Repayments from franchisees</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">- 8,455</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">8,455</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Net intercompany advances</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">322,729</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(322,729</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Other, net</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">47,230</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">8,564</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">55,794</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Net cash provided by (used in) investing activities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">322,729</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(130,670</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">454,200</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(322,729</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">323,530</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Cash flows from financing:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Repayments of commercial paper</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(413,221</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(413,221</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Proceeds from commercial paper</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">644,168</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">644,168</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Customer banking deposits</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">735,491</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(239</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">735,252</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Dividends paid</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(150,058</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(150,058</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Repurchase of common stock</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(180,566</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(180,566</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Proceeds from exercise of stock options, net</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(324</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(324</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Net intercompany advances</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">61,747</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(384,476</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">322,729</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Other, net</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">26</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">57</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(31,507</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(31,424</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Net cash provided by (used in) financing activities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(330,922</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,028,242</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(415,983</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">322,490</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">603,827</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Effects of exchange rates on cash</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(3,446</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(3,446</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Net increase (decrease) in cash</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">449,210</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(907,831</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(239</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(458,860</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Cash &#150; beginning of period</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">616,238</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,061,656</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(50</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,677,844</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1">Cash &#150; end of period</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,065,448</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">153,825</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">(289</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="1">1,218,984</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="1">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">-31-
</FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="46%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Nine months ended</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:ARIAL" SIZE="2">January&nbsp;31, 2011</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">H&amp;R&nbsp;Block,&nbsp;Inc.<BR>(Guarantor)</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">BFC</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(Issuer)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Other<BR>Subsidiaries</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Eliminations</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Consolidated<BR>H&amp;R Block</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Net cash used in operating activities:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(43,026</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(725,197</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(737,195</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(1,505,418</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Cash flows from investing:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Mortgage loans originated for investment, net</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">45,316</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">45,316</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Purchase property&nbsp;&amp; equipment</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(51,198</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(51,198</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Payments made for business acquisitions, net</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(50,832</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(50,832</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Proceeds from sale of businesses, net</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">62,298</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">62,298</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Loans made to franchisees</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(90,304</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(90,304</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Repayments from franchisees</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">9,926</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">9,926</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Net intercompany advances</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">467,873</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(467,873</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Other, net</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">28,612</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">10,039</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">38,651</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Net cash provided by (used in) investing activities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">467,873</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(6,450</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(29,693</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(467,873</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(36,143</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Cash flows from financing:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Repayments of short-term borrowings</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(2,654,653</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(2,654,653</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Proceeds from short-term borrowings</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">3,286,603</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">3,286,603</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Customer banking deposits</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,003,482</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(1,208</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,002,274</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Dividends paid</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(140,926</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(140,926</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Repurchase of common stock</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(283,494</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(283,494</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Proceeds from exercise of stock options</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(866</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(866</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Net intercompany advances</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(315,752</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(152,121</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">467,873</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Other, net</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">439</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(365</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(10,136</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(10,062</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Net cash provided by (used in) financing activities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(424,847</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,319,315</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(162,257</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">466,665</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,198,876</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Effects of exchange rates on cash</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">4,330</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">4,330</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Net increase (decrease) in cash</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">587,668</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(924,815</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(1,208</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(338,355</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Cash &#150; beginning of period</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">702,021</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,102,135</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(111</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,804,045</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Cash &#150; end of period</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150; </FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,289,689</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">177,320</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(1,319</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,465,690</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
</TABLE> <P STYLE="font-size:4px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">-32-
</FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="line-height:3px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="6%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><A NAME="toc308610_5"></A>ITEM&nbsp;2.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>MANAGEMENT&#146;S DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS </B></FONT></TD></TR></TABLE>
<P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="line-height:3px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2"><B>RESULTS OF OPERATIONS </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Our subsidiaries provide tax preparation and retail banking services. We are
the only major company offering a full range of software, online and in-office tax preparation solutions to individual tax clients. </FONT></P> <P STYLE="margin-top:7px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>RECENT EVENTS
</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">In November 2011, we sold substantially all assets of RSM McGladrey, Inc. (RSM) to McGladrey&nbsp;&amp; Pullen LLP (M&amp;P) for net cash
proceeds of $495.6 million. We also received a short-term note in the amount of $32.3 million and a long-term note in the amount of $54.0 million. M&amp;P assumed substantially all liabilities of RSM, including contingent payments and lease
obligations. We have indemnified M&amp;P for certain litigation matters as discussed in note 13. The net after tax loss on the sale of RSM totaled $37.1 million, which includes an $85.4 million impairment of goodwill recorded in our first quarter
and tax benefits of $20.5 million recorded in the third quarter associated with capital loss carry-forwards utilized. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">In the
first quarter, we also announced we were evaluating strategic alternatives for RSM EquiCo, Inc. (EquiCo), and effective January&nbsp;31, 2012, we sold the assets of EquiCo&#146;s subsidiary, McGladrey Capital Markets LLC (MCM), for cash proceeds of
$1.0 million. We have indemnified the buyer for certain litigation matters related to this business. The net after tax loss on the sale of MCM totaled $12.4 million and included a $14.3 million impairment of goodwill recorded in our first quarter.
The remaining EquiCo businesses will be wound down. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">As of January&nbsp;31, 2012, the results of operations of these businesses
are presented as discontinued operations in the condensed consolidated financial statements. All periods presented in our condensed consolidated balance sheets and statements of operations have been reclassified to reflect our discontinued
operations. See additional information in Item&nbsp;1, note 13 to the condensed consolidated financial statements. </FONT></P> <P STYLE="margin-top:7px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>TAX SERVICES </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">This segment primarily consists of our income tax preparation businesses &#150; retail, online and software. This segment includes our tax operations in
the U.S. and its territories, Canada, and Australia. Additionally, this segment includes the product offerings and activities of H&amp;R Block Bank (HRB Bank) that primarily support the tax network, refund anticipation checks and our commercial tax
business, which provides tax preparation software to CPAs and other tax preparers. </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="62%"></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" COLSPAN="16" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Tax Services &#150; Operating Statistics (U.S. only)</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">Three&nbsp;months&nbsp;ended</FONT><BR>
<P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">January&nbsp;31,</FONT></P></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></P></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">Nine&nbsp;months&nbsp;ended</FONT><BR>
<P STYLE="margin-bottom:1px; margin-top:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">January&nbsp;31,</FONT></P></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT><BR> <P STYLE="margin-bottom:1px; margin-top:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></P></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">2011</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">2011</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Tax returns prepared (in 000s): </FONT><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT><FONT STYLE="font-family:ARIAL" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Company-owned operations</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">2,172</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">2,046</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">2,351</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">2,258</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Franchise operations</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,454</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,382</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,581</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,508</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Total retail operations</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">3,626</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">3,428</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">3,932</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">3,766</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Software</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">637</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">601</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">664</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">627</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Online</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,228</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">942</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,330</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,019</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Free File Alliance</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">185</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">167</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">208</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">188</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Total digital tax solutions</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">2,050</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,710</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">2,202</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,834</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">5,676</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">5,138</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">6,134</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">5,600</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">-33-
</FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="86%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">As of January&nbsp;31,</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">2011</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR>
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Offices:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Company-owned</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">5,787</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">5,921</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Company-owned shared locations </FONT><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP></FONT><FONT STYLE="font-family:ARIAL" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">734</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">572</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Total company-owned offices</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">6,521</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">6,493</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Franchise</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">4,296</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">4,178</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Franchise shared locations </FONT><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP></FONT><FONT STYLE="font-family:ARIAL" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">175</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">397</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Total franchise offices</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">4,471</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">4,575</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">10,992</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">11,068</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
<TR>
<TD VALIGN="top" COLSPAN="8" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)&nbsp;</SUP>Fiscal year 2011 returns include approximately 69,000 and 35,000 company-owned and franchise returns, respectively, which were completed and ready to file at
January&nbsp;31, 2011, but could not be filed due to delays by the IRS in processing returns including Schedule A. Revenue related to these returns was deferred at January&nbsp;31, 2011 and was recognized in the fourth quarter of fiscal year
2011.</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)&nbsp;</SUP>Shared locations
include offices located within Sears, Wal-Mart and other third-party businesses.</FONT></P></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP
STYLE="vertical-align:baseline; position:relative; bottom:.8ex">&nbsp;&nbsp;</SUP>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">&nbsp;&nbsp;</SUP>&nbsp;&nbsp;</FONT></P></TD></TR>
</TABLE> <P STYLE="font-size:7px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="46%"></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="7%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Tax Services &#150; Operating Results</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">(in 000s)</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">Three&nbsp;months&nbsp;ended&nbsp;January&nbsp;31,</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="5" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">Nine&nbsp;months&nbsp;ended&nbsp;January&nbsp;31,</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">2011</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">2011</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Tax preparation fees</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">428,556</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">391,228</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">536,721</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">489,363</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Royalties</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">79,517</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">72,008</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">93,149</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">84,640</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Fees from refund anticipation checks</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">43,689</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">74,010</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">45,434</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">75,321</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Interest income on Emerald Advance</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">30,062</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">46,132</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">30,297</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">47,590</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Fees from Emerald Card activities</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">12,193</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">18,864</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">31,094</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">36,132</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Fees from Peace of Mind guarantees</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">11,181</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">11,524</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">57,254</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">59,882</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Other</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">50,503</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">59,044</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">74,195</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">82,448</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Total revenues</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">655,701</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">672,810</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">868,144</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">875,376</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Compensation and benefits:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Field wages</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">176,927</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">178,006</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">266,725</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">269,443</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Other wages</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">42,619</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">34,202</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">110,222</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">105,156</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:3.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Benefits and other compensation</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">41,086</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">39,475</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">78,531</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">91,872</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">260,632</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">251,683</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">455,478</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">466,471</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD HEIGHT="5"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD>
<TD HEIGHT="5" COLSPAN="4"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Marketing and advertising</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">117,128</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">97,419</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">137,037</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">117,938</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Occupancy and equipment</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">93,554</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">90,211</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">263,369</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">260,977</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Bad debt</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">48,406</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">92,228</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">51,147</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">94,654</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Depreciation and amortization</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">22,425</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">22,450</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">69,866</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">67,413</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Supplies</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">10,533</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">11,049</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">18,711</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">18,273</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Goodwill impairment</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">22,700</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">4,257</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">22,700</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Other</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">71,078</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">79,883</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">178,871</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">155,878</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Loss (gain) on sale of tax offices, net</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">229</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,073</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,141</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(4,063</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:5.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Total expenses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">623,985</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">668,696</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,179,877</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,200,241</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Pretax income (loss)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">31,716</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">4,114</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(311,733</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(324,865</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:7px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Three months ended January&nbsp;31, 2012 compared to January&nbsp;31, 2011 </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Tax Services&#146; revenues decreased $17.1 million, or 2.5% from the prior year. Tax preparation fees increased $37.3 million, or 9.5%, due primarily to
a 6.2% increase in tax returns prepared in company-owned offices. In addition to this increase, an IRS delay in processing returns including Schedule A in the prior year, resulted in the deferral of $17.4 million of tax preparation revenues from the
third quarter to the fourth quarter. The average charge on returns filed in the current year was relatively flat compared to the prior year. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:2%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">The business of our Tax Services segment is highly seasonal and results for our third quarter represent only a small portion of the tax season. Third quarter results are not indicative of the results we
expect for the entire </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">-34-
</FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">
fiscal year. Tax returns prepared in company-owned and franchise offices through February&nbsp;28, 2012 increased 1.6% from the prior year. </FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Royalties increased $7.5 million, or 10.4%, for the quarter due to a 5.2% increase in tax returns prepared in franchise offices and a 2.8%
increase in franchise locations. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Fees earned from refund anticipation checks (RACs) decreased $30.3 million, or 41.0%, due to
a promotional offering, whereby clients were eligible to receive a RAC at no charge if they elected to have their refund direct deposited onto an Emerald Card. This promotional offering expired on February&nbsp;4, 2012. </FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Interest income on Emerald Advance lines of credit (EAs) declined $16.1 million, or 34.8%, as a result of lower EA volumes principally
resulting from changes in underwriting criteria in the current year. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Prior to fiscal year 2011, refund anticipation loans
(RALs) were offered to our clients by a third party. In the prior year, we recognized the final contractual fees related to RALs totaling $16.3 million. Other revenues decreased $8.5 million, or 14.5%, primarily due to these fees in the prior year,
partially offset by a 20.9% increase in digital returns. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total expenses decreased $44.7 million, or 6.7%, from the prior year.
Marketing and advertising increased $19.7 million, or 20.2%, as we expanded our marketing efforts, primarily in television and online. Bad debt expense declined $43.8 million, or 47.5%, primarily as a result of lower EA volumes and changes in
underwriting criteria in the current year. In the prior year, we also recorded a $22.7 million impairment of goodwill related to an ancillary reporting unit. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:2%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Pretax income for the three months ended January&nbsp;31, 2012 and 2011 was $31.7 million and $4.1 million, respectively. </FONT></P> <P STYLE="margin-top:7px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2"><B>Nine months ended January&nbsp;31, 2012 compared to January&nbsp;31, 2011 </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Tax Services&#146;
revenues decreased $7.2 million, or 0.8% from the prior year. Tax preparation fees increased $47.4 million, or 9.7%, due primarily to a 4.1% increase in tax returns prepared in company-owned offices. Contributing to this increase was an IRS delay in
processing returns including Schedule A in the prior year, which resulted in the deferral of $17.4 million of tax preparation revenues from the third quarter to the fourth quarter. The average charge on returns filed in the current year was
relatively flat compared to the prior year. Revenues of our International operations also increased both due to increases in return volumes and favorable exchange rates. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:2%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Royalties increased $8.5 million, or 10.1%, due to a 4.8% increase in tax returns prepared in franchise offices and a 2.8% increase in franchise locations. </FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Fees earned from RACs decreased $29.9 million, or 39.7%, due to a promotional offering, whereby clients were eligible to receive a RAC at
no charge if they elected to have their refund direct deposited onto an Emerald Card. This promotional offering expired on February&nbsp;4, 2012. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:2%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Interest income on EAs declined $17.3 million, or 36.3%, as a result of lower EA volumes principally resulting from changes in underwriting criteria in the current year. </FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Other revenues decreased $8.3 million, or 10.0%, primarily due to the final contractual fees related to RALs in the prior year, partially
offset by a 21.1% increase in digital returns. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Total expenses decreased $20.4 million, or 1.7%, from the prior year. Marketing
and advertising increased $19.1 million, or 16.2%, as we expanded our marketing efforts, primarily in television and online. Bad debt expense declined $43.5 million, or 46.0%, primarily as a result of lower EA volumes in the current year and with
favorable collections of RAC receivables and EAs. In the prior year, we also recorded a $22.7 million impairment of goodwill related to an ancillary reporting unit, compared to an impairment of $4.3 million in the current year related to the
discontinuation of the ExpressTax brand. Other expenses increased $23.0 million, or 14.8%, over the prior year due to incremental legal expenses incurred in the current year. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:2%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">The pretax loss for the nine months ended January&nbsp;31, 2012 and 2011 was $311.7 million and $324.9 million, respectively. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">-35-
</FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:7px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>CORPORATE, ELIMINATIONS AND INCOME TAXES ON CONTINUING OPERATIONS </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Corporate operating losses include interest income from U.S. passive investments, interest expense on borrowings, net interest margin and gains or losses
relating to mortgage loans held for investment, real estate owned, residual interests in securitizations and other corporate expenses. </FONT></P> <P STYLE="font-size:7px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="68%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Corporate &#150; Operating Results</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">(in 000s)</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">Three months ended<BR>January 31,</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">Nine months ended<BR>January 31,</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">2011</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">2012</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">2011</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Interest income on mortgage loans held for investment</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">4,948</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">5,923</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">15,760</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">18,771</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Other</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">2,631</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,563</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">9,193</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">5,574</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:2.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Total revenues</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">7,579</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">7,486</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">24,953</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">24,345</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Interest expense</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">21,131</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">21,715</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">63,124</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">63,364</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Provision for loan losses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">4,525</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">7,800</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">17,275</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">24,100</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Other</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">14,665</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">8,053</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">38,377</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">28,651</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Total expenses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">40,321</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">37,568</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">118,776</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">116,115</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Pretax loss</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(32,742</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(30,082</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(93,823</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(91,770</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
</TABLE> <P STYLE="margin-top:7px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Three and nine months ended January&nbsp;31, 2012 compared to January&nbsp;31, 2011 </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">The provision for loan losses declined as a result of the continued run-off of our mortgage loan portfolio. Other expenses increased over the prior year
primarily as a result of higher short-term incentive compensation expense in the current year. </FONT></P> <P STYLE="margin-top:7px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Income Taxes </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Our effective tax rate for continuing operations was 39.4% and 39.9% for the nine months ended January&nbsp;31, 2012 and 2011, respectively. This decrease
resulted from decreases in the state and foreign effective tax rates and favorable net discrete adjustments recorded in the current year in excess of the net favorable adjustments recorded in the same period of the prior year. These favorable
adjustments were partially offset by losses in our investments in company-owned life insurance assets for which we do not receive a tax benefit. </FONT></P>
<P STYLE="margin-top:7px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>DISCONTINUED OPERATIONS </B></FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Our discontinued
operations include the results of RSM and related businesses, which were previously reported in our Business Services segment, and Sand Canyon Corporation, previously known as Option One Mortgage Corporation, and its subsidiaries (SCC). </FONT></P>
<P STYLE="font-size:7px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="92%"></TD>
<TD VALIGN="bottom" WIDTH="8%"></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Discontinued Operations &#150; Operating Results</B></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right" STYLE="BORDER-TOP:1px solid #000000; BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">(in&nbsp;000s)</FONT></TD></TR></TABLE>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD WIDTH="65%"></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">Three months<BR>ended January&nbsp;31,</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">Nine months ended<BR>January&nbsp;31,</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">2012</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">2011</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">2012</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">2011</FONT></TD>
<TD NOWRAP VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Revenues</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">50,508</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">171,071</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">416,436</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">549,180</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Pretax income (loss) from operations:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">RSM and related businesses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,117</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">8,327</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">18,831</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">15,228</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Mortgage</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(27,385</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(10,551</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(54,019</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(17,125</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(26,268</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(2,224</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(35,188</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(1,897</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Income taxes (benefit)</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(6,462</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(537</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(10,268</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">268</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Net income (loss) from operations</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(19,806</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(1,687</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(24,920</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(2,165</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Pretax loss on sales of businesses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(236</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(109,485</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Income tax benefit</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(20,260</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(59,969</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Net gain (loss) on sales of businesses</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">20,024</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(49,519</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:1px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Net income (loss) from discontinued operations</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">218</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(1,687</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(74,436</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">(2,165</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="border-top:3px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="font-size:1px">
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;</TD></TR>
</TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">-36-
</FONT></P>


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<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Three months ended January&nbsp;31, 2012 compared to January&nbsp;31, 2011 </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Net income from discontinued operations totaled $0.2 million for the three months ended January&nbsp;31, 2012, compared to net loss of $1.7 million for
the three months ended January&nbsp;31, 2011. The decline in pretax operating income from RSM and related businesses was due to sale of RSM in November 2011. The pretax operating loss of SCC increased $16.8 million, primarily due to legal accruals
recorded during the quarter. </FONT></P> <P STYLE="margin-top:7px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Nine months ended January&nbsp;31, 2012 compared to January&nbsp;31, 2011 </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">The net loss from our discontinued operations totaled $74.4 million and $2.2 million for the nine months ended January&nbsp;31, 2012 and 2011,
respectively. The loss on the sale of RSM and related businesses includes a $99.7 million goodwill impairment recorded in the first quarter related to the sale of RSM. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:2%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">The loss related to the mortgage business increased due to legal accruals during the current year, coupled with $20.0 million in incremental loss provisions related to an increase in SCC&#146;s estimated
contingent losses for representation and warranty claims recorded during the second quarter. </FONT></P> <P STYLE="margin-top:7px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Income Taxes </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">The sale of RSM resulted in a pretax financial statement loss, but produced a gain for tax purposes. The tax gain resulted primarily from larger
amortization deductions taken for tax purposes than for financial statement purposes. A portion of the gain from the sale of intangible assets is capital in nature and was offset by utilization of capital loss carry-forwards totaling $20.5 million
in the third quarter. </FONT></P> <P STYLE="margin-top:7px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Representation and Warranty Claims </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">SCC ceased originating mortgage loans in December of 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. SCC retained contingent liabilities that arose from the operations of SCC prior to its disposal, including certain mortgage loan repurchase and indemnification obligations, contingent liabilities associated with litigation and
related claims, lease commitments, and employee termination benefits. SCC also retained residual interests in certain mortgage loan securitization transactions prior to cessation of its origination business. </FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">In connection with the securitization and sale of mortgage loans, SCC made certain representations and warranties. In the event that there
is a breach of a representation and warranty and such breach materially and adversely affects the value of a mortgage loan or a securitization insurer&#146;s or bondholders&#146; interest in the mortgage loan, SCC may be obligated to repurchase the
loan or otherwise indemnify certain parties for losses incurred in connection with loan liquidation. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">SCC has recorded a
liability for estimated contingent losses related to representation and warranty claims as of January&nbsp;31, 2012, of $142.9 million, which represents SCC&#146;s estimate of the probable loss that may occur. Losses on valid claims totaled $3.3
million and $7.7 million for the nine months ended January&nbsp;31, 2012 and 2011, respectively. These amounts were recorded as reductions of SCC&#146;s loan repurchase liability. </FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">While SCC uses what it believes to be the best information available to it in estimating its liability, assessing the likelihood that
claims will be asserted in the future and estimating probable losses are inherently subjective and requires considerable management judgment. To the extent that the volume of asserted claims, the level of valid claims, the counterparties asserting
claims, the nature of claims, or the value of residential home prices, among other factors, differ in the future from current estimates, future losses may be greater than the current estimates and those differences may be significant. </FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">See additional discussion in Item&nbsp;1, note 12 to the condensed consolidated financial statements. </FONT></P>
<P STYLE="margin-top:7px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>FINANCIAL CONDITION </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">These comments should be read
in conjunction with the condensed consolidated balance sheets and condensed consolidated statements of cash flows found on pages 1 and 3, respectively. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:2%"><FONT
STYLE="font-family:Times New Roman" SIZE="2"></FONT><FONT STYLE="font-family:ARIAL" SIZE="2"><B>CAPITAL RESOURCES AND LIQUIDITY</B></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"> &#150; Our sources of capital include cash from operations,
cash from customer deposits, issuances of common stock and debt. We use capital primarily to fund working capital, pay dividends, repurchase shares of common stock and acquire businesses. Our operations are highly seasonal and therefore generally
require the use of cash to fund operating losses during the period from May through mid-January. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">-37-
</FONT></P>


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<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Given the likely availability of a number of liquidity options discussed herein, including
borrowing capacity under our unsecured committed line of credit (CLOC), we believe, that in the absence of any unexpected developments, our existing sources of capital at January&nbsp;31, 2012 are sufficient to meet our operating needs. </FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT><FONT STYLE="font-family:ARIAL" SIZE="2"><B>CASH FROM OPERATING ACTIVITIES</B></FONT><FONT
STYLE="font-family:Times New Roman" SIZE="2"> &#150; Cash used in operations totaled $1.4 billion for the first nine months of fiscal year 2012, compared with $1.5 billion for the same period last year. </FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT><FONT STYLE="font-family:ARIAL" SIZE="2"><B>CASH FROM INVESTING ACTIVITIES</B></FONT><FONT
STYLE="font-family:Times New Roman" SIZE="2"> &#150; Cash provided by investing activities totaled $323.5 million for the first nine months of fiscal year 2012, compared to the use of $36.1 million in the same period last year. </FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Purchases of Available-for-Sale Securities</B></FONT><FONT
STYLE="font-family:Times New Roman" SIZE="2">. During the nine months ended January&nbsp;31, 2012, HRB Bank purchased $178.0 million in mortgage-backed securities. No such purchases were made in the first nine months of the prior year. </FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Mortgage Loans Held for Investment</B></FONT><FONT
STYLE="font-family:Times New Roman" SIZE="2">. We received net payments of $35.5 million and $45.3 million on our mortgage loans held for investment for the first nine months of fiscal years 2012 and 2011, respectively. Cash payments declined
primarily due to non-performing loans and continued run-off of our portfolio. </FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Purchases of Property and Equipment</B></FONT><FONT
STYLE="font-family:Times New Roman" SIZE="2">. Total cash paid for property and equipment was $71.5 million and $51.2 million for the first nine months of fiscal years 2012 and 2011, respectively. </FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Business Acquisitions</B></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2">.
Total cash paid for acquisitions was $16.0 million and $50.8 million during the nine months ended January&nbsp;31, 2012 and 2011, respectively. In July 2010 our Business Services segment acquired a Boston-based accounting firm, and cash used in
investing activities in the prior year includes payments totaling $32.6 million related to this acquisition. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT><FONT
STYLE="font-family:ARIAL" SIZE="2"><B>Sales of Businesses</B></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2">. Proceeds from the sales of businesses totaled $533.1 million and $62.3 million for the nine months ended January&nbsp;31, 2012
and 2011, respectively. Current year amounts include net proceeds of $495.6 million from the sale of RSM and proceeds of $20.3 million from the sale of an ancillary business. During the first nine months of fiscal year 2012, we also sold 83 tax
offices to franchisees, compared to 280 tax offices in the prior year. The majority of these sales were financed through affiliate loans. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:2%"><FONT
STYLE="font-family:Times New Roman" SIZE="2"></FONT><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Loans Made to Franchisees</B></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2">. Loans made to franchisees totaled $43.6 million and $90.3
million for the nine months ended January&nbsp;31, 2012 and 2011, respectively. These amounts included both the financing of sales of tax offices and franchisee draws under our Franchise Equity Lines of Credit. </FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT><FONT STYLE="font-family:ARIAL" SIZE="2"><B>CASH FROM FINANCING ACTIVITIES</B></FONT><FONT
STYLE="font-family:Times New Roman" SIZE="2"> &#150; Cash provided by financing activities totaled $603.8 billion for the first nine months of fiscal year 2012, compared to $1.2 billion in the same period last year. </FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Short-Term Borrowings</B></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2">. We
had commercial paper borrowings of $230.9 million and $632.6 million at January&nbsp;31, 2012 and 2011, respectively. These borrowings were used to fund our off-season losses and cover our seasonal working capital needs. Borrowings declined from the
prior year due to cash received from the sale of RSM. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Customer Banking
Deposits</B></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2">. Customer banking deposits increased $735.3 million for the nine months ended January&nbsp;31, 2012 compared to an increase of $1.0 billion in the prior year. We utilize cash
provided by deposit balances as a funding source for our Emerald Advance lines of credit during the tax season. Funding from customer deposits declined to a lower volume of EAs in the current year. </FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Dividends.</B></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"> We have
consistently paid quarterly dividends. Dividends paid totaled $150.1 million and $140.9 million for the nine months ended January&nbsp;31, 2012 and 2011, respectively. During the third quarter, our Board of Directors approved an increase of our
quarterly cash dividend from $0.15 per share to $0.20 per share. The increase was effective with the quarterly dividend payable on January&nbsp;5, 2012, to shareholders of record as of December&nbsp;22, 2011. </FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT><FONT STYLE="font-family:ARIAL" SIZE="2"><B>Repurchase and Retirement of Common Stock</B></FONT><FONT
STYLE="font-family:Times New Roman" SIZE="2">. We purchased and immediately retired 13.0&nbsp;million shares of our common stock at a cost of $177.5 million during the nine months ended January&nbsp;31, 2012, compared to 19.0&nbsp;million shares of
our common stock at a cost of $279.9 million during the nine months ended January&nbsp;31, 2011. We expect to continue to repurchase and retire common stock or retire treasury stock in the future. </FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2"></FONT><FONT STYLE="font-family:ARIAL" SIZE="2"><B>HRB BANK</B></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"> &#150; At
January&nbsp;31, 2012, HRB Bank had a cash balance of $1.1 billion. Distribution of that cash balance would be subject to regulatory approval and it is therefore not currently available for general corporate purposes. </FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Block Financial LLC (BFC) typically makes capital contributions to HRB Bank to help HRB Bank meet its capital requirements. BFC made
capital contributions to HRB Bank of $200.0 million during the nine months ended January&nbsp;31, 2012, and contributed an additional $200.0 million in February 2012. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">-38-
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 <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Historically, capital contributions by BFC have been repaid as a return of capital by HRB
Bank as capital requirements decline. A return of capital or dividend paid by HRB Bank must be approved by the OCC and the Federal Reserve Bank. Although such payments have been approved in the past, there is no assurance that they will continue to
be in the future, in particular if they determine that higher capital levels at HRB Bank are necessary due to non-performing asset levels. In addition, BFC may elect to maintain higher capital levels at HRB Bank. HRB Bank paid dividends and returned
capital of $262.5 million during fiscal year 2011, comprised of $37.5 million in REO properties and loans and $225.0 million in cash. </FONT></P> <P STYLE="margin-top:7px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>BORROWINGS
</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">The following chart provides the debt ratings for Block Financial LLC (BFC) as of January&nbsp;31, 2012: </FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
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<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Short-term</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Long-term</FONT></TD>
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<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Outlook</FONT></TD>
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<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">Moody&#146;s</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">P-2</FONT></TD>
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<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">Baa2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
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<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">Stable</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
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<TD VALIGN="bottom" NOWRAP ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">A-2</FONT></TD>
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<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">BBB</FONT></TD>
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<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">Stable</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
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</TABLE> <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">At January&nbsp;31, 2012, we maintained a CLOC agreement to support commercial paper issuances, general
corporate purposes or for working capital needs. This facility provides funding up to $1.7 billion and matures July&nbsp;31, 2013. This facility bears interest at an annual rate of LIBOR plus 1.30% to 2.80% or PRIME plus 0.30% to 1.80% (depending on
the type of borrowing) and includes an annual facility fee of 0.20% to 0.70% of the committed amounts (based on our credit ratings). Covenants in this facility include: (1)&nbsp;maintenance of a minimum equity of $650.0 million on the last day of
any fiscal quarter; and (2)&nbsp;reduction of the aggregate outstanding principal amount of short-term debt, as defined in the CLOC agreement, to $200.0 million or less for thirty consecutive days during the period March&nbsp;1 to June&nbsp;30 of
each year. At January&nbsp;31, 2012, we were in compliance with these covenants and had net worth of $806.4 million. We had no balance outstanding under the CLOC at January&nbsp;31, 2012. Effective March&nbsp;2, 2012, we amended our CLOC agreement
to reduce the amount of minimum equity that we must maintain as of the last day of any fiscal quarter from $650.0 million to $500.0 million. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:2%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">There have been no material changes in our borrowings or debt ratings from those reported at April&nbsp;30, 2011 in our Annual Report on Form 10-K. </FONT></P> <P STYLE="margin-top:7px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2"><B>CONTRACTUAL OBLIGATIONS AND COMMERCIAL COMMITMENTS </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">There have been no material changes in our
contractual obligations and commercial commitments from those reported at April&nbsp;30, 2011 in our Annual Report on Form 10-K. </FONT></P> <P STYLE="margin-top:7px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>REGULATORY
ENVIRONMENT </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">There have been no material changes in our regulatory environment from those reported at April&nbsp;30, 2011 in our Annual
Report on Form 10-K. </FONT></P> <P STYLE="margin-top:7px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>FORWARD-LOOKING INFORMATION </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">This report and other documents filed with the Securities and Exchange Commission (SEC) may contain forward-looking statements. In addition, our senior management may make forward-looking statements
orally to analysts, investors, the media and others. Forward-looking statements can be identified by the fact that they do not relate strictly to historical or current facts. They often include words such as &#147;expects,&#148;
&#147;anticipates,&#148; &#147;intends,&#148; &#147;plans,&#148; &#147;believes,&#148; &#147;seeks,&#148; &#147;estimates,&#148; &#147;will,&#148; &#147;would,&#148; &#147;should,&#148; &#147;could&#148; or &#147;may.&#148; Forward-looking
statements provide management&#146;s current expectations or predictions of future conditions, events or results. They may include estimates of revenues, income, earnings per share, capital expenditures, dividends, liquidity, capital structure or
other financial items, descriptions of management&#146;s plans or objectives for future operations, products or services, or descriptions of assumptions underlying any of the above. They are not guarantees of future performance. By their nature,
forward-looking statements are subject to risks and uncertainties, including those set forth in this Form 10-Q and our other filings with the SEC, including those set forth under Item&nbsp;1A, &#147;Risk Factors&#148; in our annual report on Form
10-K. These statements speak only as of the date made and management does not undertake to update them to reflect changes or events occurring after that date except as required by federal securities laws. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">-39-
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 <P STYLE="line-height:3px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="6%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><A NAME="toc308610_6"></A>ITEM&nbsp;3.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK </B></FONT></TD></TR></TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="line-height:3px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P> <P STYLE="margin-top:7px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">There have been no material changes in our market
risks from those reported at April&nbsp;30, 2011 in our Annual Report on Form 10-K. </FONT></P> <P STYLE="font-size:7px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="line-height:3px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
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<TD WIDTH="6%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><A NAME="toc308610_7"></A>ITEM&nbsp;4.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>CONTROLS AND PROCEDURES </B></FONT></TD></TR></TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="line-height:3px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P> <P STYLE="margin-top:7px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>EVALUATION OF DISCLOSURE CONTROLS AND PROCEDURES
</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">As of the end of the period covered by this Form 10-Q, we evaluated the effectiveness of the design and operation of our disclosure
controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)). The controls evaluation was done under the supervision and with the participation of management, including our Chief Executive Officer and Chief Financial Officer.
Based on this evaluation, our Chief Executive Officer and Chief Financial Officer have concluded that our disclosure controls and procedures were effective as of the end of the period covered by this Quarterly Report on Form 10-Q. </FONT></P>
<P STYLE="margin-top:7px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>CHANGES IN INTERNAL CONTROL OVER FINANCIAL REPORTING </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">There were no changes that materially affected, or are reasonably likely to materially affect, our internal control over financial reporting. </FONT></P>
<P STYLE="font-size:7px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="line-height:3px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:ARIAL" SIZE="2"><B>PART II&#151;OTHER INFORMATION </B></FONT></P> <P STYLE="line-height:3px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<P STYLE="font-size:7px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="line-height:3px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="6%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><A NAME="toc308610_8"></A>ITEM&nbsp;1.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>LEGAL PROCEEDINGS </B></FONT></TD></TR></TABLE> <P STYLE="line-height:3px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<P STYLE="margin-top:7px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">For a description of our material pending legal proceedings, see discussion in Item&nbsp;1, note 14 to the condensed consolidated financial statements.
</FONT></P> <P STYLE="font-size:7px;margin-top:0px;margin-bottom:0px">&nbsp;</P> <P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="6%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><A NAME="toc308610_9"></A>ITEM&nbsp;1A.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>RISK FACTORS </B></FONT></TD></TR></TABLE> <P STYLE="font-size:1px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="line-height:3px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P> <P STYLE="margin-top:7px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">There have been no material changes in our risk
factors from those reported at April&nbsp;30, 2011 in our Annual Report on Form 10-K. </FONT></P> <P STYLE="font-size:7px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="6%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><A NAME="toc308610_10"></A>ITEM&nbsp;2.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>UNREGISTERED SALES OF EQUITY SECURITIES AND USE OF PROCEEDS </B></FONT></TD></TR></TABLE> <P STYLE="font-size:1px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="line-height:3px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P> <P STYLE="margin-top:7px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">A summary of our purchases of H&amp;R Block
common stock during the third quarter of fiscal year 2012 is as follows: </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
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<TD COLSPAN="2" VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="6" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">(in 000s, except per share
amounts)</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000">&nbsp;<FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">Total</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">Number of
Shares<BR>Purchased</FONT><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP></FONT><FONT STYLE="font-family:ARIAL" SIZE="2"></FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Average<BR>Price Paid<BR>per Share</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">Total Number of Shares<BR>Purchased as Part of<BR>Publicly Announced<BR>Plans or Programs</FONT><FONT
STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP></FONT><FONT STYLE="font-family:ARIAL" SIZE="2"></FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="right" STYLE="BORDER-BOTTOM:1px solid #000000"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">Maximum $ Value</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">of Shares that May<BR>Be Purchased Under<BR>the Plans or Programs</FONT></P></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;</FONT></TD></TR>


<TR BGCOLOR="#cceeff">
<TD VALIGN="top" NOWRAP> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">November&nbsp;1 &#150; November&nbsp;30</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">15.01</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,194,648</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">December&nbsp;1 &#150; December&nbsp;31 </FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">20</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">15.89</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,194,648</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff">
<TD VALIGN="top" NOWRAP> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:ARIAL" SIZE="2">January&nbsp;1 &#150; January&nbsp;31</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">16.20</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">&#150;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:ARIAL" SIZE="2">1,194,648</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="line-height:3px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(1)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">All shares were purchased in connection with the funding of employee income tax withholding obligations arising upon the exercise of stock options or the lapse
of restrictions on nonvested shares. </FONT></P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">(2)</SUP>&nbsp;</FONT></TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">In June 2008, our Board of Directors rescinded previous authorizations to repurchase shares of our common stock, and approved an authorization to purchase up to
$2.0 billion of our common stock through June 2012. </FONT></P></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">-40-
</FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="6%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><A NAME="toc308610_11"></A>ITEM&nbsp;5.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>OTHER INFORMATION </B></FONT></TD></TR></TABLE> <P STYLE="font-size:1px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="line-height:3px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P> <P STYLE="font-size:7px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">(a)</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">The following information is provided in accordance with Item&nbsp;1.01 of Form 8-K (Entry into a Material Definitive Agreement): </FONT></TD></TR></TABLE>
<P STYLE="margin-top:7px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Amendment to CLOC Agreement </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Effective March&nbsp;2, 2012,
we amended our Credit and Guarantee Agreement among us, Block Financial LLC, each lender a party thereto and Bank of America, N.A., as administrative agent (the &#147;CLOC agreement&#148;) to reduce the amount of minimum equity that we must maintain
as of the last day of any fiscal quarter from $650.0 million to $500.0 million. A copy of the amendment to the CLOC agreement is attached as Exhibit 10.1 hereto and incorporated herein by reference </FONT></P>
<P STYLE="margin-top:7px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Form of Indemnification Agreements for Directors and Officers </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">On March&nbsp;1, 2012, the Board of Directors of the Company approved a form of indemnification agreement (the &#147;Indemnification Agreement&#148;) to be entered into by the Company and certain of its
directors and officers (each, an &#147;Indemnitee&#148;). Current directors are already a party to a similar existing indemnification agreement, which will remain in place, unchanged. </FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">In general, the Indemnification Agreement provides that, subject to the provisions set forth therein, the Company will indemnify and hold
harmless an Indemnitee against all direct and indirect costs and liabilities incurred by an Indemnitee, to the fullest extent permitted by applicable law, in connection with any actions, claims, suits or other proceedings brought against such
Indemnitee by reason of (i)&nbsp;the fact that the Indemnitee is or was a director, officer or other fiduciary of the Company or, at the request of the Company, a director, officer or other fiduciary of a subsidiary of the Company, or (ii)&nbsp;any
action taken, or failure to act, by such Indemnitee in such capacity. The Indemnification Agreement provides contractual assurances regarding the scope of the indemnification as permitted by the Missouri General and Business Corporation Law and the
Company&#146;s Amended and Restated Bylaws. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Under the Indemnification Agreement, an Indemnitee will have the right to
advancement by the Company of expenses as they are actually and reasonably paid or incurred in connection with defending a claim covered by the Indemnification Agreement prior to the final disposition of such claim. The Indemnitee is required to
repay any expenses advanced to the Indemnitee unless such Indemnitee is determined to be entitled to indemnification by the Company. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:2%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">The above description of the Indemnification Agreement does not purport to be complete and is qualified in its entirety by reference to the form of Indemnification Agreement, a copy of which is filed as
Exhibit 10.2 hereto and incorporated herein by reference. A schedule of the parties to the Indemnification Agreement is also filed with Exhibit 10.2 </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:2%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">The following information is provided in accordance with Item&nbsp;5.03 of Form 8-K (Amendments to Articles of Incorporation or Bylaws; Change in Fiscal Year): </FONT></P>
<P STYLE="margin-top:7px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2">Amended and Restated Bylaws of the Company </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">On
March&nbsp;1, 2012, the Board of Directors of the Company adopted Amended and Restated Bylaws of the Company (the &#147;Bylaws&#148;), effective immediately upon adoption, to supersede and replace the existing bylaws of the Company. Following is a
summary of the amendments: </FONT></P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">1.</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2"><U>Section&nbsp;4(b)</U> &#150; Amended to clarify the process shareholders must use to bring business before an annual meeting. Shareholders must now submit their
notice between 90 and 120 days before the one-year anniversary of the filing of the Company&#146;s last proxy statement. In addition, the amendments provide that such notice to the Company is the exclusive means by which shareholders can bring
business at a meeting of the shareholders, sets forth specific information that must be provided about the shareholder&#146;s ownership and other information that must be disclosed about the proposal. </FONT></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">2.</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2"><U>Sections 7, 8 and 10</U> &#150; Amended to clarify that notice of shareholders&#146; meetings, waivers of notice, and proxies may be provided electronically.
</FONT></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">3.</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2"><U>Section&nbsp;13</U> &#150; Amended to clarify that a shareholder must present proper evidence showing a satisfactory reason and proper purpose to inspect the books
and records of the Company. This section was also revised to remove the implication that shareholders have a right to examine and copy records of proceedings of the Board of Directors. </FONT></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">-41-
</FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>


<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">4.</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2"><U>Sections 17 and 18</U> &#150; Amended to provide that the Board of Directors may receive notice of meetings electronically, may determine the time and place of
meetings without formal resolution, and may participate in any meeting by telephone or other similar means. </FONT></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">5.</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2"><U>Section&nbsp;19</U> &#150; Amended to clarify that interested director(s) who attend a meeting of the Board of Directors will be considered present for the purpose
of determining whether a quorum exists even if such director(s) abstains from voting on a matter. </FONT></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">6.</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2"><U>Section&nbsp;20</U> &#150; Amended to revise the time frame that nominees for directors must be submitted to match the same timeframe as in Section&nbsp;4(b) above
and to clarify the process by which shareholders may nominate persons for election to the Board of Directors, including that the process set forth in this section is the exclusive mechanism by which directors may be nominated. As amended, the
section also clarifies that a shareholder submitting a nomination must have been a shareholder of record both at the time of giving a notice and at the time of the meeting. The notice submitted by the shareholder must provide certain specified
information. The current Board of Directors may request that the nominee provide information about, among other things, his or her independence and qualifications. As amended, the section clarifies that a person may not be nominated if he or she
takes actions contrary to the representations made to the Company. Also, a nominated person may not be elected if (i)&nbsp;the nominating shareholder did not comply with the procedures set forth in this section; (ii)&nbsp;the nominee either failed
to disclose or made an untrue statement about a material fact; or (iii)&nbsp;the nominee was nominated the previous year and withdrew or became ineligible, or received less than twenty percent of the total votes cast. </FONT></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">7.</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2"><U>Sections 21 and 22</U> &#150; Amended to clarify that a director may electronically transmit a written consent or a waiver of notice. </FONT></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">8.</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2"><U>Section&nbsp;23</U> &#150; Amended to expand the scope of mandatory indemnification to include officers of the Company appointed by the Board of Directors in
addition to directors. </FONT></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">9.</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2"><U>Section&nbsp;27</U> &#150; Amended to clarify that officers do not hold their positions for specific terms, but instead until their successors have been appointed,
or they die, resign, or are removed by the Board of Directors. </FONT></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">10.</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2"><U>Former Section&nbsp;29</U> &#150; Deleted this section from the former bylaws, which stated that officer compensation and salaries are fixed by the board, because
procedures involving the compensation of officers are currently addressed in applicable committee charters. </FONT></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">11.</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2"><U>Former Section&nbsp;30</U> &#150; Deleted this section from the former bylaws, which stated that the board may delegate to the chairman of the board or other
officers the authority to hire, discharge, set forth the duties of, and fix compensation of employees, because procedures involving the hiring of officers are currently addressed in applicable committee charters. </FONT></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">12.</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2"><U>Section&nbsp;34</U> &#150; Amended to clarify that stock issued by the Company may be uncertificated. </FONT></TD></TR></TABLE>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">The foregoing description of the amendments to the Company&#146;s Bylaws is qualified in its entirety by reference to the full text of the Amended and
Restated Bylaws of the Company, a copy of which is filed as Exhibit 3.1 hereto and incorporated herein by reference. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">(b) As described in
Item&nbsp;5(a) above, on March&nbsp;1, 2012, the Board of Directors of the Company adopted the Bylaws, including amendments to certain provisions relating to the procedures by which shareholders may nominate persons for election to the
Company&#146;s Board of Directors. Specifically, as set forth in Section&nbsp;20 of the Bylaws, these procedures were amended such that shareholders must submit a nomination to the Company between 90 and 120 days before the one-year anniversary of
the prior year&#146;s annual meeting, rather than 45 days before the one-year anniversary of the filing of the Company&#146;s last proxy statement as would have been required under the Company&#146;s former bylaws. For example, the Company&#146;s
last proxy statement was filed on August&nbsp;2, 2011, and its last annual meeting was held on September&nbsp;14, 2011. Before these amendments became effective, notice of a shareholder&#146;s nomination of a person for election to the
Company&#146;s Board of Directors would have been required to be received no later than June&nbsp;18, 2012. Under the Bylaws as amended, notice of nominations must now be received by the Company no earlier than May&nbsp;17, 2012 or later than
June&nbsp;16, 2012. As amended, the Bylaws also set forth specific information about the nominating shareholder and any director nominee that must be included in the notice. These provisions are described in more detail above. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">-42-
</FONT></P>


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<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The foregoing description of the amendments to the Company&#146;s Bylaws is qualified in its
entirety by reference to the full text of the Amended and Restated Bylaws of the Company, a copy of which is filed as Exhibit 3.1 hereto and incorporated herein by reference. </FONT></P>
<P STYLE="font-size:7px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="6%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="2"><B><A NAME="toc308610_12"></A>ITEM&nbsp;6.</B></FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>EXHIBITS </B></FONT></TD></TR></TABLE> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">


<TR>
<TD></TD>
<TD VALIGN="bottom" WIDTH="4%"></TD>
<TD WIDTH="89%"></TD></TR>


<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;3.1</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2">Amended and Restated Bylaws of H&amp;R Block, Inc.</FONT></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;10.1</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2">First Amendment to Credit Agreement effective March 2, 2012, among Block Financial LLC, H&amp;R Block, Inc., various institutions, and Bank of America, N.A., as Administrative
Agent.</FONT></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;10.2</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2">Form of Indemnification Agreement with Directors and Officers, and Schedule of Parties to Indemnification Agreement</FONT></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;31.1</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2">Certification by Chief Executive Officer pursuant to Section&nbsp;302 of the Sarbanes-Oxley Act of 2002.</FONT></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;31.2</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2">Certification by Chief Financial Officer pursuant to Section&nbsp;302 of the Sarbanes-Oxley Act of 2002.</FONT></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;32.1</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2">Certification by Chief Executive Officer furnished pursuant to 18 U.S.C. 1350, as adopted by Section&nbsp;906 of the Sarbanes-Oxley Act of 2002.</FONT></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;32.2</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2">Certification by Chief Financial Officer furnished pursuant to 18 U.S.C. 1350, as adopted by Section&nbsp;906 of the Sarbanes-Oxley Act of 2002.</FONT></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;101.INS</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2">XBRL Instance Document</FONT></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;101.SCH</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2">XBRL Taxonomy Extension Schema</FONT></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;101.CAL</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2">XBRL Extension Calculation Linkbase</FONT></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;101.LAB</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2">XBRL Taxonomy Extension Label Linkbase</FONT></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;101.PRE</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2">XBRL Taxonomy Extension Presentation Linkbase</FONT></TD></TR>
<TR>
<TD VALIGN="top" NOWRAP STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">&nbsp;101.REF</FONT></TD>
<TD VALIGN="bottom" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="top" STYLE="BORDER-BOTTOM:1px solid #000000"><FONT STYLE="font-family:ARIAL" SIZE="2">XBRL Taxonomy Extension Reference Linkbase</FONT></TD></TR>
</TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:ARIAL" SIZE="1">*</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="1">Indicates management contracts, compensatory plans or arrangements. </FONT></TD></TR></TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">-43-
</FONT></P>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">
<h5 align="left"><a href="#toc">Table of Contents</a></h5>

 <P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:ARIAL" SIZE="3"><B><A NAME="toc308610_13"></A>SIGNATURES </B></FONT></P> <P STYLE="font-size:2px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<P STYLE="line-height:0px;margin-top:0px;margin-bottom:2px;border-bottom:0.5pt solid #000000">&nbsp;</P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Pursuant to the requirements of the Securities
Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized. </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR>
<TD WIDTH="100%"></TD></TR>
<TR>
<TD VALIGN="bottom" NOWRAP> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:ARIAL" SIZE="2"><B>H&amp;R&nbsp;BLOCK,&nbsp;INC.</B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px">


<IMG SRC="g308610g93p91.jpg" ALT="LOGO">
</P></TD></TR>


<TR>
<TD HEIGHT="16"></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2">William C. Cobb</FONT></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2">President and Chief Executive Officer</FONT></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2">March&nbsp;7, 2012</FONT></TD></TR>
<TR>
<TD HEIGHT="27"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px">


<IMG SRC="g308610g32m07.jpg" ALT="LOGO">
</P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:ARIAL" SIZE="2">Jeffrey T. Brown</FONT></P></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2">Senior Vice President and</FONT></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2">Chief Financial Officer</FONT></TD></TR>
<TR>
<TD HEIGHT="8"></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2">March&nbsp;7, 2012</FONT></TD></TR>
<TR>
<TD HEIGHT="16"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:0px">


<IMG SRC="g308610g76l92.jpg" ALT="LOGO">
</P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:ARIAL" SIZE="2">Colby R. Brown</FONT></P></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2">Vice President and</FONT></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2">Corporate Controller</FONT></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:ARIAL" SIZE="2">March&nbsp;7, 2012</FONT></TD></TR>
</TABLE></DIV>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">-44-
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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-3.1
<SEQUENCE>2
<FILENAME>d308610dex31.htm
<DESCRIPTION>AMENDED AND RESTATED BYLAWS
<TEXT>
<HTML><HEAD>
<TITLE>Amended and Restated Bylaws</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Exhibit 3.1 </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2">AMENDED AND RESTATED </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">BYLAWS </FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">OF </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">H &amp; R
BLOCK, INC. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">(as amended through March&nbsp;1, 2012) </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2">OFFICES </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">1. OFFICES. The corporation shall maintain a registered office in the
State of Missouri, and shall have a resident agent in charge thereof. The location of the registered office and name of the resident agent shall be designated in the Articles of Incorporation, or by resolution of the board of directors, on file in
the appropriate offices of the State of Missouri. The corporation may maintain offices at such other places within or without the State of Missouri as the board of directors shall designate. </FONT></P>
<P STYLE="margin-top:24px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">SEAL </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">2. SEAL.
The corporation shall have a corporate seal inscribed with the name of the corporation and the words &#147;Corporate Seal&nbsp;&#150;Missouri&#148;. The form of the seal may be altered at pleasure and shall be used by causing it or a facsimile
thereof to be impressed, affixed, reproduced or otherwise used. </FONT></P> <P STYLE="margin-top:24px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">SHAREHOLDERS&#146; MEETINGS </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">3. PLACE OF MEETINGS. All meetings of the shareholders shall be held at the principal office of the corporation in Missouri, except such
meetings as the board of directors (to the extent permissible by law) expressly determines shall be held elsewhere, in which case such meetings may be held at such other place or places, within or without the State of Missouri, as the board of
directors shall have determined. </FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">4. ANNUAL MEETING. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:8%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">(a) <U>Date and Time</U>. The annual meeting of shareholders shall be held on the first Wednesday in September of each year, if not a legal holiday, and if a legal holiday, then on the first business day
following, at 9:00 a.m., or on such other date and at such time as the board of directors may specify, when directors shall be elected and such other business transacted as may be properly brought before the meeting. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:8%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(b) <U>Advance Notice of Shareholder Business</U>. At an annual meeting of shareholders, only such business shall be conducted as shall
have been properly brought before the meeting. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:13%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(i) To be properly brought before the annual meeting, business must be
(1)&nbsp;brought&nbsp;pursuant to the corporation&#146;s proxy materials with respect to such meeting, (2)&nbsp;by or at the direction of the board of directors, or (3)&nbsp;by a shareholder of the corporation who (A)&nbsp;was a shareholder of
record both at the time of giving notice for the meeting and at the time </FONT></P>

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 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">
of the meeting and is entitled to vote at the meeting and (B)&nbsp;has timely complied in proper written form with the procedures set forth in this section&nbsp;4(b) and Section&nbsp;20, as
applicable. In addition, for business to be properly brought before an annual meeting by a shareholder, such business must be a proper matter for shareholder action pursuant to these bylaws and applicable law. For the avoidance of doubt, except for
proposals properly made in accordance with Rule&nbsp;14a-8 under the Securities Exchange Act of 1934, and the rules and regulations thereunder (as so amended and inclusive of such rules and regulations) (the &#147;Exchange Act&#148;) and included in
the notice of meeting given by or at the direction of the board of directors, section&nbsp;4(b)(i)(3)&nbsp;above and Section&nbsp;20, as applicable, shall be the exclusive means for a shareholder to bring business before an annual meeting of
shareholders. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:13%;padding-bottom:0px;"><FONT STYLE="font-family:Times New Roman" SIZE="2">(ii) For business to be properly brought before an annual meeting by a shareholder
pursuant to section&nbsp;4(b)(i)(3)&nbsp;above, a shareholder&#146;s notice must set forth all information required under this section&nbsp;4(b)&nbsp;and must be received by the secretary of the corporation at the principal executive offices of the
corporation not later than the 90</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">th</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"> day nor earlier than
the 120th day before the one-year anniversary of the date on which the corporation held its annual meeting of shareholders the previous year. The requirements of this section 4(b) shall apply to any business or nominations to be brought before an
annual meeting by a shareholder whether such business or nominations are to be included in the corporation&#146;s proxy statement pursuant to Rule 14a-8 of the Exchange Act or presented to shareholders by means of an independently financed proxy
solicitation. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:13%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(iii) To be in proper written form, a shareholder&#146;s notice to the secretary of the corporation must set
forth as to each matter of business the shareholder intends to bring before the annual meeting: (1)&nbsp;a brief description of the business intended to be brought before the annual meeting and the reasons for conducting such business at the annual
meeting, (2)&nbsp;the name and address, as they appear on the corporation&#146;s books, of the shareholder proposing such business and any Shareholder Associated Person (as defined below), (3)&nbsp;the class or series and number of shares of the
corporation that are held of record or are beneficially owned, directly or indirectly, by the shareholder or any Shareholder Associated Person and any Derivative Instruments (as defined below) held or beneficially owned, directly or indirectly, by
the shareholder or any Shareholder Associated Person, (4)&nbsp;whether and the extent to which any hedging or other transaction or series of transactions has been entered into by or on behalf of such shareholder or any Shareholder Associated Person
with respect to any securities of the corporation, and a description of any other agreement, arrangement or understanding (including any short position or any borrowing or lending of shares), the effect or intent of which is to mitigate loss to, or
to manage the risk or benefit from share price changes for, or to increase or decrease the voting power of, such shareholder or any Shareholder Associated Person with respect to any securities of the corporation, (5)&nbsp;any proxy, contract,
arrangement, understanding or relationship pursuant to which the shareholder or a Shareholder Associated Person has a right to vote any shares of any security of the corporation, (6)&nbsp;any rights to dividends on the shares of the corporation
beneficially owned by the shareholder or a Shareholder Associated Person that are separated or separable from the underlying shares of the corporation, (7)&nbsp;any performance-related fees (other than asset-based fees) to which the shareholder or a
Shareholder Associated Person is entitled based on any increase or decrease in the value of shares of the corporation or Derivative Instruments, if any, as of the date of such notice, (8)&nbsp;any material interest of the shareholder or a
Shareholder Associated Person in such business, and (9)&nbsp;a statement whether </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">2 </FONT></P>


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 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">
such shareholder or any Shareholder Associated Person will deliver a proxy statement and form of proxy to holders of at least the percentage of the corporation&#146;s voting shares required under
applicable law to carry the proposal (such information provided and statements made as required by clauses (1)&nbsp;through (9), a &#147;Business Solicitation Statement&#148;). In addition, to be in proper written form, a shareholder&#146;s notice
to the secretary of the corporation must be supplemented not later than ten days following the record date for notice of the meeting to disclose the information contained in clauses (1)&nbsp;through (7)&nbsp;above as of the record date for notice of
the meeting. For purposes of this section&nbsp;4, a &#147;Shareholder Associated Person&#148; of any shareholder shall mean (x)&nbsp;any person controlling, directly or indirectly, or acting in concert with, such shareholder, (y)&nbsp;any beneficial
owner of shares of the corporation owned of record or beneficially by such shareholder and on whose behalf the proposal or nomination, as the case may be, is being made, or (z)&nbsp;any person controlling, controlled by or under common control with
such person referred to in the preceding clauses (x)&nbsp;and (y).&nbsp;For purposes of this section&nbsp;4, a &#147;Derivative Instrument&#148; shall mean any option, warrant, convertible security, share appreciation right or similar right with an
exercise or conversion privilege or a settlement payment or mechanism at a price related to any class or series of shares of the corporation or with a value derived in whole or in part from the value of any class or series of capital share of the
corporation or otherwise. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:13%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(iv) Without exception, no business shall be conducted at any annual meeting except in accordance
with the provisions set forth in this section&nbsp;4(b)&nbsp;and, if applicable, section&nbsp;20. In addition, business proposed to be brought by a shareholder may not be brought before the annual meeting if such shareholder or a Shareholder
Associated Person, as applicable, takes action contrary to the representations made in the Business Solicitation Statement applicable to such business or if the Business Solicitation Statement applicable to such business contains an untrue statement
of a material fact or omits to state a material fact necessary to make the statements therein not misleading. The chairman of the annual meeting shall, if the facts warrant, determine and declare at the annual meeting that business was not properly
brought before the annual meeting in accordance with the provisions prescribed by these bylaws, and, if the chairman should so determine, he or she shall so declare at the annual meeting that any such business not properly brought before the annual
meeting shall not be conducted. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:13%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(v) Notwithstanding anything to the contrary in this section 4(b), (1)&nbsp;if the
shareholder (or a qualified representative of the shareholder) does not appear at the meeting of shareholders to propose such business, such business shall not be transacted (notwithstanding that proxies in respect of such vote may have been
received by the corporation), and (2)&nbsp;a shareholder shall also comply with state law and the Exchange Act with respect to the matters set forth in this section 4(b). Nothing in this section 4(b) shall be deemed to affect any rights of
shareholders to request inclusion of proposals in, or the corporation&#146;s right to omit proposals from, the corporation&#146;s proxy statement and form of proxy pursuant to Rule 14a-8 under the Exchange Act or any successor provision. The
provisions of this Section&nbsp;4(b) shall also govern what constitutes timely notice for purposes of Rule 14a-4(c) under the Exchange Act or any successor provision. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:8%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">(c) <U>Say on Pay Resolution</U>. It shall be the practice of the corporation to present at the annual meeting of shareholders a resolution calling for an advisory vote on overall executive compensation
programs, including the linkage of overall pay to performance. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">3 </FONT></P>


<p Style='page-break-before:always'>
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 <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">5. SPECIAL MEETINGS. Special meetings of the shareholders may be called at any time by the
chairman of the board, by the chief executive officer or by the president, or at any time upon the written request of a majority of the board of directors, or upon the written request of the holders of not less than a majority of the stock of the
corporation entitled to vote in an election of directors. Each call for a special meeting of the shareholders shall state the time, the day, the place and the purpose or purposes of such meeting and shall be in writing, signed by the persons making
the same and delivered to the secretary. No business shall be transacted at a special meeting other than such as is included in the purposes stated in the call. </FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">6. CONDUCT OF ANNUAL AND SPECIAL MEETINGS. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:8%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(a) The chairman of the board, or in
his or her absence the chief executive officer or the president, shall preside as the chairman of the meeting at all meetings of the shareholders. The chairman of the meeting shall be vested with the power and authority to (i)&nbsp;maintain control
of and conduct an orderly meeting, (ii)&nbsp;exclude any shareholder from the meeting for failing or refusing to comply with any of the procedural standards or rules or conduct or any reasonable request of the chairman, and (iii)&nbsp;appoint
inspectors of elections, prescribing their duties, and administer any oath that may be required under Missouri law. The ruling of the presiding officer on any matter shall be final and exclusive. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:8%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(b) The presiding officer shall establish the order of business and such rules and procedures for conducting the meeting as in his or her
sole and complete discretion he or she determines necessary, appropriate or convenient under the circumstances, including without limitation (i)&nbsp;an agenda or order of business for the meeting, (ii)&nbsp;rules and procedures for maintaining
order at the meeting and the safety of those present, (iii)&nbsp;limitations on participation in such meeting to shareholders of record of the corporation and their duly authorized and constituted proxies and such other persons as the presiding
officer shall permit, (iv)&nbsp;restrictions on entry to the meeting after the time fixed for commencement thereof, (v)&nbsp;limitations on the time allotted to questions or comments by participants, and (vi)&nbsp;regulation of the voting or
balloting as applicable, including without limitation matters that are to be voted on by ballot, if any. Unless and to the extent determined by the board of directors or the presiding officer, meetings of shareholders shall not be required to be
held in accordance with rules of parliamentary procedure. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">7. NOTICES. Written or printed notice of each meeting of the
shareholders, whether annual or special, stating the place, date and time thereof and in case of a special meeting, the purpose or purposes thereof shall be delivered or mailed, including via electronic means, to each shareholder entitled to vote
thereat, not less than ten nor more than seventy days prior to the meeting, unless, as to a particular matter, other or further notice is required by law, in which case such other or further notice shall be given. Any notice of a shareholders&#146;
meeting sent by mail shall be deemed to be delivered when deposited in the United States mail with postage prepaid thereon, addressed to the shareholder at his or her address as it appears on the books of the corporation. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">8. WAIVER OF NOTICE. Whenever any notice is required to be given under the provisions of these bylaws, the Articles of Incorporation of
the corporation, or of any law, a waiver thereof, if not expressly prohibited by law, in writing, or by other method of electronic transmission, signed by the person or persons entitled to such notice, shall be deemed the equivalent to the giving of
such notice. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">4 </FONT></P>


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 <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">9. QUORUM. Except as otherwise may be provided by law, by the Articles of Incorporation of
the corporation or by these bylaws, the holders of a majority of the shares issued and outstanding and entitled to vote thereat, present in person or by proxy, shall be required for and shall constitute a quorum at all meetings of the shareholders
for the transaction of business. Every decision of a majority in amount of shares of such quorum shall be valid as a corporate act, except in those specific instances in which a larger vote is required by law or by the Articles of Incorporation. If
a quorum is not present at any meeting, the shareholders entitled to vote thereat, present in person or by proxy, shall have power to adjourn the meeting to a specified date not longer than 90 days after such adjournment without notice other than
announcement at the meeting, until the requisite amount of voting shares shall be present. At such adjourned meeting at which the requisite amount of voting shares shall be represented any business may be transacted which might have been transacted
at the meeting as originally notified. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">10. PROXIES. At any meeting of the shareholders, every shareholder having the right to
vote shall be entitled to vote in person or by proxy appointed by an instrument in writing subscribed by such shareholder and bearing a date not more than eleven months prior to said meeting unless said instrument provides that it shall be valid for
a longer period. A written proxy may be in the form of an electronic transmission, to the extent permitted by law. </FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">11.
VOTING. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:8%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(a) Each shareholder shall have one vote for each share of stock having voting power registered in his or her name on
the books of the corporation and except where the transfer books of the corporation shall have been closed or a date shall have been fixed as a record date for the determination of its shareholders entitled to vote, no share of stock shall be voted
at any election for directors which shall have been transferred on the books of the corporation within seventy days preceding such election of directors. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:8%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">(b) Shareholders shall have no right to vote cumulatively for the election of directors. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:8%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">(c) A shareholder holding stock in a fiduciary capacity shall be entitled to vote the shares so held, and a shareholder whose stock is pledged shall be entitled to vote unless, in the transfer by the
pledgor on the books of the corporation, he or she shall have expressly empowered the pledgee to vote thereon, in which case only the pledgee or his or her proxy may represent said stock and vote thereon. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">12. SHAREHOLDERS&#146; LISTS. A complete list of the shareholders entitled to vote at every election of directors, arranged in
alphabetical order, with the address of and the number of voting shares held by each shareholder, shall be prepared by the officer having charge of the stock books of the corporation and for at least ten days prior to the date of the election shall
be open at the place where the election is to be held, during the usual hours for business, to the examination of any shareholder and shall be produced and kept open at the place of the election during the whole time thereof to the inspection of any
shareholder present. The original or </FONT></P>
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duplicate stock ledger shall be the only evidence as to who are shareholders entitled to examine such lists, or the books of the corporation, or to vote in person or by proxy, at such election.
Failure to comply with the foregoing shall not affect the validity of any action taken at any such meeting. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">13. RECORDS. The
corporation shall maintain such books and records as shall be dictated by good business practice and by law. The books and records of the corporation may be kept at any one or more offices of the corporation within or without the State of Missouri,
except that the original or duplicate stock ledger containing the names and addresses of the shareholders, and the number of shares held by them, shall be kept at the registered office of the corporation in Missouri. Every shareholder shall have a
right to examine, in person, or by agent or attorney, at any reasonable time, upon presenting proper evidence showing a satisfactory reason and proper purpose, such books and records as the shareholder may have a right to inspect under applicable
law, at the corporation&#146;s principal place of business or registered office, and to make copies of or extracts from them. </FONT></P>
<P STYLE="margin-top:24px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">DIRECTORS </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">14.
NUMBER AND POWERS OF THE BOARD. The property and business of this corporation shall be managed by a board of directors, and the number of directors to constitute the board shall be not less than seven nor more than twelve, the exact number to be
fixed by a resolution adopted by the affirmative vote of a majority of the whole board of directors. Directors need not be shareholders. In addition to the powers and authorities by these bylaws expressly conferred upon the board of directors, the
board may exercise all such powers of the corporation and do or cause to be done all such lawful acts and things as are not prohibited, or required to be exercised or done by the shareholders only. </FONT></P>
<P STYLE="margin-top:18px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">15. INCUMBENCY OF DIRECTORS. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:8%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">(a) <U>Election and Term of Office</U>. Directors shall be elected at each annual meeting of shareholders to hold office until the next succeeding annual meeting of shareholders or until such director's
successor has been elected and qualified. The term of office of each director shall begin immediately after his or her election and each director shall hold office until the next succeeding annual meeting of shareholders or until such director's
successor has been elected and qualified and subject to prior death, resignation, retirement or removal from office of a director. No decrease in the number of directors constituting the board of directors shall reduce the term of any incumbent
director. No person shall serve as a director for a period or consecutive periods that extend beyond the twelfth annual shareholders meeting following the annual shareholders meeting at which such person was first elected to the board of directors
by the shareholders. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:8%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(b) <U>Removal</U>. Any director, or directors, or the entire board of directors of the corporation may
be removed, with or without cause, at any time but only by the affirmative vote of the holders of at least a majority of the outstanding shares of each class of stock of the corporation entitled to elect one or more directors at a meeting of the
shareholders called for such purpose. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">6 </FONT></P>


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 <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:8%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(c) <U>Qualification of Directors</U>. To qualify for election or service as a director of
the corporation, each incumbent director shall agree to resign from any portion of his or her current term that extends beyond the certification of election results of the next annual election of directors. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">16. VACANCIES. Any newly created directorship resulting from an increase in the number of directors, and any vacancy occurring on the
board of directors through death, resignation, disqualification, disability or any other cause, may be filled by vote of a majority of the surviving or remaining directors then in office, although less than a quorum, or by a sole remaining director.
Any director so elected to fill a vacancy shall hold office for the unexpired portion of the term of the director whose place shall be vacated and until the election and qualification of his or her successor. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">17. MEETINGS OF THE NEWLY ELECTED BOARD OF DIRECTORS - NOTICE. The first meeting of each newly elected board, which shall be deemed the
annual meeting of the board, shall be held on the same day as the annual meeting of shareholders, or as soon thereafter as practicable, at such time and place, either within or without the State of Missouri, as shall be designated by the president.
No notice of such meeting shall be necessary to the continuing or newly elected directors in order legally to constitute the meeting, provided that a majority of the whole board shall be present; or the members of the board may meet at such place
and time as shall be fixed by the consent in writing (including via electronic transmission) of all of the directors. Members of the board of directors may participate in any meeting of the board of directors by means of a conference telephone or
other communications equipment by means of which all persons participating in the meeting can hear each other, and such participation in a meeting shall constitute presence in person at the meeting. </FONT></P>
<P STYLE="margin-top:18px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">18. NOTICE. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px; text-indent:8%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(a) <U>Regular Meetings</U>. Regular meetings of the board of directors may be held without notice at such place or places, within or
without the State of Missouri, and at such time or times, as the board of directors may from time to time determine. Any business may be transacted at a regular meeting. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:8%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">(b) <U>Special Meetings</U>. Special meetings of the board of directors may be called by the chairman, the chief executive officer, the president or any two directors. Notice thereof stating the place,
date and hour of the meeting shall be given to each director either by mail not less than 48 hours before the date of the meeting, by telephone or by other method of electronic transmission on 24 hours&#146; notice, or on such shorter notice as the
person or persons calling such meeting may deem necessary or appropriate in the circumstances. The place may be within or without the State of Missouri as designated in the notice. The &#147;call&#148; and the &#147;notice&#148; of any such meeting
shall be deemed synonymous. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">19. QUORUM. At all meetings of the board of directors a majority of the whole board shall, unless
a greater number as to any particular matter is required by statute, by the Articles of Incorporation or by these bylaws, constitute a quorum for the transaction of business, and the act of a majority of the directors present at any meeting at which
there is a quorum shall be the act of the board of directors. Less than a quorum may adjourn the meeting successively until a quorum is present, and no notice of adjournment shall be required. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">7 </FONT></P>


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 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">The foregoing provisions relating to a quorum for the transaction of business shall not be affected by the
fact that one or more of the directors have or may have interests in any matter to come before a meeting of the board, which interests are or might be adverse to the interests of this corporation. Any such interested director or directors who attend
the meeting shall at all times be considered as present for the purpose of determining whether or not a quorum exists. </FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">20.
NOMINATIONS FOR ELECTION AS DIRECTORS. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:8%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(a) Notwithstanding anything in these bylaws to the contrary, only persons who are
nominated in accordance with the procedures set forth in this section&nbsp;20&nbsp;shall be eligible for election or re-election as directors at an annual meeting of shareholders. Nominations of persons for election or re-election to the board of
directors shall be made at an annual meeting of shareholders only (i)&nbsp;by or at the direction of the board of directors or (ii)&nbsp;by a shareholder of the corporation who (1)&nbsp;was a shareholder of record both at the time of giving notice
for the meeting and at the time of the meeting and is entitled to vote at the meeting and (2)&nbsp;has complied with the notice procedures set forth in this section&nbsp;20. The foregoing clause (ii)&nbsp;shall be the exclusive means for a
shareholder to make any nomination of a person or persons for election to the board of directors at an annual meeting. In addition to any other applicable requirements, for a nomination to be made by a shareholder, the shareholder must have given
timely notice thereof in proper written form to the secretary of the corporation. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:8%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(b) To comply with clause (ii)&nbsp;of
section&nbsp;20(a)&nbsp;above, a nomination to be made by a shareholder must set forth all information required under this section&nbsp;20&nbsp;and must be received by the secretary of the corporation at the principal executive offices of the
corporation at the time set forth in, and in accordance with section&nbsp;4(b). </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:8%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(c) To be in proper written form, such
shareholder&#146;s notice to the secretary must set forth: </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:13%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(i) as to each person (a &#147;nominee&#148;) whom the
shareholder proposes to nominate for election or re-election as a director: (1)&nbsp;the name, age, business address and residence address of the nominee, (2)&nbsp;the principal occupation or employment of the nominee, (3)&nbsp;the class or series
and number of shares of the corporation that are held of record or are beneficially owned, directly or indirectly, by the nominee and any Derivative Instruments held or beneficially held of record or are beneficially owned, directly or indirectly,
by the nominee, (4)&nbsp;whether and the extent to which any hedging or other transaction or series of transactions has been entered into by or on behalf of the nominee with respect to any securities of the corporation, and a description of any
other agreement, arrangement or understanding (including any short position or any borrowing or lending of shares), the effect or intent of which is to mitigate loss to, or to manage the risk or benefit of share price changes for, or to increase or
decrease the voting power of the nominee, (5)&nbsp;any proxy, contract, arrangement, understanding or relationship pursuant to which the nominee has a right to vote any shares of any security of the corporation, (6)&nbsp;any rights to dividends on
the shares of the corporation beneficially owned by the nominee that are separated or separable from the underlying shares of the corporation, (7)&nbsp;any </FONT></P>
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performance-related fees (other than asset-based fees) that the nominee is entitled to based on any increase or decrease in the value of shares of the corporation or Derivative Instruments, if
any, as of the date of such notice, (8)&nbsp;a description of all arrangements or understandings between the shareholder and each nominee and any other person or persons (naming such person or persons) pursuant to which the nominations are to be
made by the shareholder, (9)&nbsp;a written statement executed by the nominee acknowledging that as a director of the corporation, the nominee will owe a fiduciary duty under Missouri law with respect to the corporation and its shareholders and
giving consent to be named in the proxy statement and to serving as a director if elected or re-elected, as the case may be, (10)&nbsp;a fully completed director&#146;s questionnaire on the form supplied by the corporation, executed by the nominee,
(11)&nbsp;a written representation and agreement (in the form provided by the secretary upon written request) that such person (a)&nbsp;is not and will not become a party to (i)&nbsp;any agreement, arrangement or understanding with, and has not
given any commitment or assurance to, any person or entity as to how such person, if elected as a director of the corporation, will act or vote on any issue or question (a &#147;<U>Voting Commitment</U>&#148;) that has not been disclosed to the
corporation or (ii)&nbsp;any Voting Commitment that could limit or interfere with such person&#146;s ability to comply, if elected as a director of the corporation, with such person&#146;s fiduciary duties under applicable law, (b)&nbsp;is not and
will not become a party to any agreement, arrangement or reimbursement or indemnification in connection with service or action as a director that has not been disclosed therein, and (c)&nbsp;in such person&#146;s individual capacity and on behalf of
any person or entity on whose behalf the nomination is being made, would be in compliance, if elected as a director of the corporation, and will comply with all applicable publicly disclosed corporate governance, conflict of interest,
confidentiality and share ownership and trading policies and guidelines of the corporation; and (12)&nbsp;any other information relating to the nominee that would be required to be disclosed about such nominee if proxies were being solicited for the
election or re-election of the nominee as a director, or that is otherwise required, in each case pursuant to Regulation 14A under the Exchange Act; and </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:13%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">(ii) as to such shareholder giving notice, (1)&nbsp;the information required to be provided pursuant to clauses (2)&nbsp;through (7)&nbsp;of section&nbsp;4(b)(iii)&nbsp;above, and to supplement such
notice not later than ten days following the record date for notice of the meeting to disclose the information contained in clauses (3)&nbsp;through (7)&nbsp;of section&nbsp;4(b)(iii)&nbsp;above as of the record date for notice of the meeting
(except that the references to &#147;business&#148; in such clauses shall instead refer to nominations of directors for purposes of this paragraph), and (2)&nbsp;a statement whether such shareholder or Shareholder Associated Person will deliver a
proxy statement and form of proxy to holders of a number of the corporation&#146;s voting shares reasonably believed by such shareholder or Shareholder Associated Person to be necessary to elect or re-elect such nominee(s)&nbsp;(such information
provided and statements made as required by clauses (1)&nbsp;and (2)&nbsp;of this section 20(c)(ii), a &#147;Nominee Solicitation Statement&#148;). </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:8%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">(d) At the request of the board of directors, any person nominated by a shareholder for election or re-election as a director must furnish to the secretary of the corporation (i)&nbsp;that information
required to be set forth in the shareholder&#146;s notice of nomination of such person as a director as of a date subsequent to the date on which the notice of such person&#146;s nomination was first given, (ii)&nbsp;such other information as may
reasonably be required by the corporation to determine the eligibility of such proposed nominee to serve as an independent director or audit committee financial expert of the corporation under applicable
</FONT></P>
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laws, securities exchange rules&nbsp;or regulations, or any publicly-disclosed corporate governance guideline or committee charter of the corporation, and (iii)&nbsp;such information that could
be material to a reasonable shareholder&#146;s understanding of the independence, or lack thereof, of such nominee. In the absence of the furnishing of such information if requested, such shareholder&#146;s nomination shall not be considered in
proper form pursuant to this section&nbsp;20. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:8%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(e) Without exception, no person shall be eligible for election or re-election
as a director of the corporation at an annual meeting of shareholders unless nominated in accordance with the provisions set forth in this section&nbsp;20. In addition, a nominee shall not be eligible (i)&nbsp;for election or re-election if a
shareholder or Shareholder Associated Person, as applicable, takes action contrary to the representations made in the Nominee Solicitation Statement applicable to such nominee or if the Nominee Solicitation Statement applicable to such nominee
contains an untrue statement of a material fact or omits to state a material fact necessary to make the statements therein not misleading, or (ii)&nbsp;for election if such nominee was nominated by a shareholder of the corporation for the preceding
annual meeting of shareholders and withdrew from or became ineligible or unavailable for election at the meeting or received at such meeting votes in favor of his or her election representing less than 20 percent of the total votes cast for or
withheld from his or her election. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:8%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(f) The chairman of the annual meeting shall, if the facts warrant, determine and declare
at the annual meeting that a nomination was not made in accordance with the provisions prescribed by these bylaws, and if the chairman should so determine, he or she shall so declare at the annual meeting, and the defective nomination shall be
disregarded. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">21. DIRECTORS&#146; ACTION WITHOUT MEETING. If all the directors severally or collectively consent in writing,
or by electronic transmission, to any action to be taken by the directors, such consents shall have the same force and effect as a unanimous vote of the directors at a meeting duly held. The secretary shall file such consents with the minutes of the
meetings of the board of directors. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">22. WAIVER. Any notice provided or required to be given to the directors may be waived in
writing (including via electronic transmission) by any of them, whether before, at, or after the time stated therein. Attendance of a director at any meeting shall constitute a waiver of notice of such meeting except where he attends for the express
purpose of objecting to the transaction of any business thereat because the meeting is not lawfully called or convened. </FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">23.
INDEMNIFICATION OF DIRECTORS AND OFFICERS AND CONTRIBUTION. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:8%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(a) <U>Scope of Indemnification</U>. The corporation shall
indemnify each director, and each officer appointed by the board of directors in calendar year 2012 or thereafter, and may indemnify other persons (each, a &#147;Covered Person&#148;) of the corporation who was or is a party or witness, or is
threatened to be made a party or witness, to any threatened, pending or completed action, suit or proceeding (including, without limitation, an action, suit or proceeding by or in the right of the corporation), whether civil, criminal,
administrative or investigative (including a grand jury proceeding), by reason of the fact that the person is or was (i)&nbsp;a director or officer of the corporation or (ii)&nbsp;serving at the request of the corporation, as a director, officer,
</FONT></P>
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employee, agent, partner or trustee (or in any similar position) of another corporation, partnership, joint venture, trust, employee benefit plan or other enterprise, to the fullest extent
authorized or permitted by the Missouri General and Business Corporation Law and any other applicable law, as the same exists or may hereinafter be amended (but, in the case of any such amendment, only to the extent that such amendment permits the
corporation to provide broader indemnification rights than said law permitted the corporation to provide prior to such amendment), against expenses (including attorneys&#146; fees), judgments, fines and amounts paid in settlement actually and
reasonably incurred by the person in connection with such action, suit or proceeding, or in connection with any appeal thereof; provided, however, that, except as provided in section 23(b) with respect to proceedings to enforce rights to
indemnification, the corporation shall indemnify any person in connection with an action, suit or proceeding (or part thereof) initiated by such person only if the initiation of such action, suit or proceeding (or part thereof) was authorized by the
board of directors. Any right to indemnification hereunder shall include the right to payment by the corporation of expenses incurred in connection with any such action, suit or proceeding in advance of its final disposition; provided, however, that
any payment of such expenses incurred by a Covered Person in advance of the final disposition of such action, suit or proceeding shall be made only upon delivery to the corporation of an undertaking, by or on behalf of such Covered Person, to repay
all amounts so advanced unless it should be determined ultimately that such Covered Person is entitled to be indemnified under this section or otherwise. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:8%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">(b) <U>Payment, Determination and Enforcement</U>. Any indemnification or advancement of expenses required under this section shall be made promptly. If a determination by the corporation that a Covered
Person is entitled to indemnification is required, and the corporation fails to make such determination within ninety days after final determination of an action, suit or proceeding, the corporation shall be deemed to have approved such request. If
with respect to Covered Person indemnification the corporation denies indemnification or a written request for advancement of expenses, in whole or in part, or if payment in full pursuant to such determination or request is not made within thirty
days, the right to indemnification and advancement of expenses as granted by this section shall be enforceable by the Covered Person in any court of competent jurisdiction. Such Covered Person&#146;s costs and expenses incurred in connection with
successfully establishing the right to indemnification, in whole or in part, in any such action or proceeding shall also be indemnified by the corporation. It shall be a defense to any such action (other than an action brought to enforce a claim for
the advancement of expenses pursuant to this section where the required undertaking has been received by the corporation) that the claimant has not met the applicable standard of conduct set forth in Sections 351.355.1 or 351.355.2 of the Missouri
General and Business Corporation Law, but the burden of proving such defense shall be on the corporation. Neither the failure of the corporation (including the board of directors, independent legal counsel or the shareholders) to have made a
determination prior to the commencement of such action that indemnification of the claimant is proper in the circumstances because the person has met the applicable standard of conduct set forth in the Missouri General and Business Corporation Law,
nor the fact that there has been an actual determination by the corporation (including the board of directors, independent legal counsel or the shareholders) that the claimant has not met such applicable standard of conduct, shall be a defense to
the action or create a presumption that the claimant has not met the applicable standard of conduct. </FONT></P>
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 <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:8%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(c) <U>Nonexclusivity, Duration and Indemnification Agreements</U>. The indemnification and
advancement of expenses provided by, or granted pursuant to, this section shall not be deemed exclusive of any other rights to which those seeking indemnification or advancement of expenses may be entitled either under the Articles of Incorporation
or any other bylaw, agreement, vote of shareholders or disinterested directors or otherwise, both as to action in the person&#146;s official capacity and as to action in another capacity while holding such office, and shall continue as to a person
who has ceased to be a director or officer, and shall inure to the benefit of the heirs, executors and administrators of such Covered Person. Any repeal or modification of the provisions of this section 23 shall not affect any obligations of the
corporation or any rights regarding indemnification and advancement of expenses of a Covered Person with respect to any threatened, pending or completed action, suit or proceeding in which the alleged cause of action accrued at any time prior to
such repeal or modification. Upon approval of a majority of a quorum of disinterested directors, the corporation may enter into indemnification agreements with officers and directors of the corporation, or extend indemnification to officers,
employees or agents of the corporation, in addition to what may be required under the corporation&#146;s bylaws, upon such terms and conditions as may be deemed appropriate. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:8%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">(d) <U>Insurance</U>. The corporation may purchase and maintain insurance, at its expense, to protect itself and any person who is or was a director, officer, employee or agent of the corporation, or is
or was serving at the request of the corporation as a director, officer, employee, agent, partner or trustee of another corporation, partnership, joint venture, trust, employment benefit plan or other enterprise against any liability asserted
against the person and incurred by the person in any such capacity, or arising out of his or her status as such, whether or not the corporation would have the power to indemnify the person against such liability under the provisions of this section,
the Missouri General and Business Corporation Law or otherwise. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:8%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(e) <U>Severability</U>. If this section or any portion
thereof shall be invalidated on any ground by any court of competent jurisdiction, then the corporation shall nevertheless indemnify each Covered Person of the corporation as to expenses (including attorneys&#146; fees), judgments, fines and amounts
paid in settlement with respect to any action, suit or proceeding, whether civil, criminal, administrative or investigative, including (without limitation) a grand jury proceeding and an action, suit or proceeding by or in the right of the
corporation, to the fullest extent authorized or permitted by any applicable portion of this section that shall not have been invalidated by the Missouri General and Business Corporation Law or by any other applicable law. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:8%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(f) <U>Contribution</U>. In order to provide for just and equitable contribution in circumstances in which the indemnification provided
for in this section is held by a court of competent jurisdiction to be unavailable in whole or part to a Covered Person, the corporation shall contribute to the payment of the Covered Person&#146;s losses that would have been so indemnified in an
amount that is just and equitable in the circumstances, taking into account, among other things, contributions by other Covered Persons of the corporation pursuant to indemnification agreements or otherwise. In the absence of personal enrichment of
the Covered Person, or acts of intentional fraud or dishonest or criminal conduct on the part of the Covered Person, it would not be just and equitable for the Covered Person to contribute to the payment of losses arising out of an action, suit or
proceeding in an amount greater than: (i)&nbsp;in a case where </FONT></P>
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the Covered Person is a director of the corporation or any of its subsidiaries but not an officer of either, the amount of fees paid to the Covered Person for serving as a director during the 12
months preceding the commencement of such action, suit or proceeding, (ii)&nbsp;in a case where the Covered Person is a director of the corporation or any of its subsidiaries and is an officer of either, the amount set forth in clause (i)&nbsp;plus
five percent of the aggregate cash compensation paid to the Covered Person for serving as such officer(s) during the 12 months preceding the commencement of such action, suit or proceeding, or (iii)&nbsp;in a case where the Covered Person is only an
officer of the corporation or any of its subsidiaries, five percent of the aggregate cash consideration paid to the Covered Person for serving as such officer(s) during the 12 months preceding the commencement of such action, suit or proceeding. The
corporation shall contribute to the payment of losses covered hereby to the extent not payable by the Covered Person pursuant to the contribution provisions set forth in the preceding sentence. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">24. INTERESTS OF DIRECTORS. In case the corporation enters into contracts or transacts business with one or more of its directors, or
with any firm of which one or more of its directors are members or with any other corporation, limited liability company, partnership, association, or other similar form of business entity of which one or more of its directors are members,
shareholders, partners, directors or officers, such transaction or transactions shall not be invalidated or in any way affected by the fact that such director or directors have or may have interests therein which are or might be adverse to the
interests of this corporation; provided that such contract or transaction is entered into in good faith and authorized or ratified on behalf of this corporation by the board of directors or by a person or persons (other than the contracting person)
having authority to do so, and if the directors or other person or persons so authorizing or ratifying shall then be aware of the interest of such contracting person. In any case in which any transaction described in this section 24 is under
consideration by the board of directors, the board may, upon the affirmative vote of a majority of the whole board, exclude from its presence while its deliberations with respect to such transaction are in progress any director deemed by such
majority to have an interest in such transaction. </FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">25. COMMITTEES. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px; text-indent:8%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(a) <U>Executive Committee</U>. The board of directors may, by resolution or resolutions passed by a majority of the whole board,
designate an executive committee, such committee to consist of two or more directors of the corporation, which committee, to the extent provided in said resolution or resolutions, shall have and may exercise all of the authority of the board of
directors in the management of the corporation. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:8%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(b) <U>Audit Committee</U>. The corporation shall maintain an audit committee
consisting of at least three directors. No member of the audit committee shall be an employee of the corporation, and each member of the audit committee shall be independent pursuant to standards promulgated by the Securities Exchange Commission and
the New York Stock Exchange. The audit committee shall be responsible for assisting the board of directors regarding (i)&nbsp;the integrity of the corporation&#146;s financial statements, (ii)&nbsp;the corporation&#146;s compliance with legal and
regulatory requirements, (iii)&nbsp;the independent auditor&#146;s qualifications and independence, and (iv)&nbsp;the performance of the corporation&#146;s internal audit function and independent auditor. The audit committee shall have sole
responsibility for appointing, retaining, discharging or replacing the corporation&#146;s independent auditor and, following completion of the </FONT></P>
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independent auditor&#146;s examination of the corporation&#146;s consolidated financial statements, review with the independent auditor and corporation management, such matters in connection with
the audit as deemed necessary and desirable by the audit committee. The audit committee shall have such additional duties, responsibilities, functions and powers as may be delegated to it by the board of directors of the corporation. The audit
committee shall be empowered to retain, at the expense of the corporation, independent expert(s) if it deems this to be necessary. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:8%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">(c) <U>Other Committees</U>. The board of directors may also, by resolution or resolutions passed by a majority of the whole board, designate other committees, with such persons, powers and duties as it
deems appropriate and as are not inconsistent with law. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:8%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(d) <U>Rules, Records, Reports and Charters</U>. The committees may
make and adopt such rules and regulations governing their proceedings as they may deem proper and which are consistent with the statutes of the State of Missouri, the Articles of Incorporation and the bylaws. Each committee that the board of
directors is required to maintain pursuant to these bylaws or applicable laws, regulations, or stock exchange rules shall adopt a charter, to be approved by the board of directors and reviewed annually. In addition to the authority, duties and
obligations expressly set forth in these bylaws, the committees shall have such authority, duties and obligations as shall be set forth in their respective charters, as approved by the board of directors, or otherwise delegated to them by the board
of directors. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:8%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(e) <U>Proceedings</U>. The provisions of these bylaws with respect to meetings of the board of directors shall
apply to meetings of the committees, <I>mutatis mutandis</I>. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:8%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(f) <U>Vacancies</U>. Any vacancy in a committee shall be
filled by another director appointed by a majority of the board of directors. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">26. COMPENSATION OF DIRECTORS AND COMMITTEE
MEMBERS. By resolution duly adopted by a majority of the board of directors, directors and members shall be entitled to receive reasonable annual compensation for services rendered to the corporation as such, and a fixed sum and expenses of
attendance, if any, may be allowed for attendance at each regular or special meeting of the board or committee; provided that nothing herein contained shall be construed to preclude any director or committee member from serving the corporation in
any other capacity and receiving compensation therefor. </FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">27. OFFICERS. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px; text-indent:8%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(a) <U>Appointed Officers</U>. The board of directors shall annually appoint the following officers of the corporation: a chairman of the
board, president or chief executive officer, a secretary, and a treasurer. In addition, if the board desires, it may appoint a vice chairman, one or more vice presidents, assistant secretaries and/or assistant treasurers. The chairman of the board,
the vice chairman of the board and the chief executive officer shall be vested with such powers, duties, and authority as the board of directors may from time to time determine and as may be set forth in these bylaws. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:8%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(b) Any two or more of such offices may be held by the same person, except the offices of chairman of the board and vice chairman of the
board, chairman of the board and chief executive officer, chairman of the board and president, president and vice president, and </FONT></P>
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president and secretary. Furthermore, the chairman of the board shall be independent pursuant to standards promulgated by the Securities Exchange Commission and the New York Stock Exchange and
shall not have served previously as an executive officer of the corporation. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:8%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(c) An appointed officer shall be deemed
qualified when he or she enters upon the duties of the office to which he or she has been appointed and furnishes any bond required by the board; but the board may also require such person to provide his or her written acceptance and promise
faithfully to discharge the duties of such office. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:8%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(d) <U>Term of Office</U>. Each appointed officer of the corporation shall
hold his or her office at the pleasure of the board and until his or her successor shall have been duly appointed and qualified, or until he or she dies, resigns or is removed by the board, whichever first occurs. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">28. REMOVAL. Any officer or agent appointed by the board of directors, and any employee, may be removed or discharged by the board
whenever in its judgment the best interests of the corporation would be served thereby, but such removal shall be without a prejudice to the contract rights, if any, of the person so removed. </FONT></P>
<P STYLE="margin-top:18px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">29. THE CHAIRMAN OF THE BOARD, THE VICE CHAIRMAN OF THE BOARD, THE CHIEF EXECUTIVE OFFICER AND THE PRESIDENT. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:8%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(a) The president may be appointed by the board of directors to be the chief executive officer of the corporation, or the board of
directors may appoint a chief executive officer who is not the president, and the chief executive officer shall have general and active management of the business of the corporation and shall carry into effect all directions and resolutions of the
board. The chairman of the board, the vice chairman of the board, the chief executive officer and the president shall be vested with such powers, duties, and authority as the board of directors may from time to time determine and as may be set forth
in these bylaws. Except as otherwise provided for in these bylaws, the chairman of the board, or in his or her absence, the chief executive officer or president, shall preside at all meetings of the shareholders of the corporation and at all
meetings of the board of directors. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:8%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(b) The chairman of the board, vice chairman of the board, the chief executive officer or
president may execute all bonds, notes, debentures, mortgages, and other contracts requiring a seal, under the seal of the corporation and may cause the seal to be affixed thereto, and all other instruments for and in the name of the corporation,
except that if by law such instruments are required to be executed only by the president, he or she shall execute them. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:8%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(c)
The chairman of the board, vice chairman of the board, chief executive officer or president, when authorized so to do by the board, may execute powers of attorney from, for, and in the name of the corporation, to such proper person or persons as he
or she may deem fit, in order that thereby the business of the corporation may be furthered or action taken as may be deemed by him or her necessary or advisable in furtherance of the interests of the corporation. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:8%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(d) The chairman of the board, vice chairman of the board, chief executive officer or president, except as may be otherwise directed by
the board, shall attend meetings of </FONT></P>
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shareholders of other corporations to represent this corporation thereat and to vote or take action with respect to the shares of any such corporation owned by this corporation in such manner as
he or she shall deem to be for the interests of the corporation or as may be directed by the board. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:8%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(e) The chairman of the
board, vice chairman of the board, chief executive officer or president shall have such other or further duties and authority as may be prescribed elsewhere in these bylaws or from time to time by the board of directors. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">30. VICE PRESIDENTS. The vice presidents in the order of their seniority shall, in the absence, disability or inability to act of the
chairman of the board, the vice chairman of the board, the chief executive officer and the president, perform the duties and exercise the powers of the chairman of the board, the vice chairman of the board, the chief executive officer and the
president, and shall perform such other duties as the board of directors shall from time to time prescribe. </FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">31. THE SECRETARY
AND ASSISTANT SECRETARIES. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:8%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(a) The secretary shall, as requested by the board, attend all sessions of the board and except as
otherwise provided for in these bylaws, all meetings of the shareholders, and shall record or cause to be recorded all votes taken and the minutes of all proceedings in a minute book of the corporation to be kept for that purpose. He or she shall
perform like duties for the executive and other standing committees when requested by the board or such committee to do so. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:8%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(b) The secretary shall have the principal responsibility to give, or cause to be given, notice of all meetings of the shareholders and
of the board of directors, but this shall not lessen the authority of others to give such notice as is authorized elsewhere in these bylaws. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:8%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">(c) The secretary shall see that all books, records, lists and information, or duplicates, required to be maintained at the registered or home office of the corporation in Missouri, or elsewhere, are so
maintained. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:8%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(d) The secretary shall keep in safe custody the seal of the corporation, and when duly authorized to do so shall
affix the same to any instrument requiring it, and when so affixed, he or she shall attest the same by his or her signature. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:8%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(e) The secretary shall perform such other duties and have such other authority as may be prescribed elsewhere in these bylaws or from
time to time by the board of directors, the chairman of the board, chief executive officer or the president, under whose direct supervision he or she shall be. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:8%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">(f) The secretary shall have the general duties, powers and responsibilities of a secretary of a corporation. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:8%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">(g) The assistant secretaries, in the order of their seniority, in the absence, disability or inability to act of the secretary, shall perform the duties and exercise the powers of the secretary, and
shall perform such other duties as the board may from time to time prescribe. </FONT></P>
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 <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">32. THE TREASURER AND ASSISTANT TREASURERS. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px; text-indent:8%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(a) The treasurer shall have the responsibility for the safekeeping of the funds and securities of the corporation, and shall deposit or
cause to be deposited all monies and other valuable effects in the name and to the credit of the corporation in such depositories as may be designated by the board of directors. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:8%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(b) The treasurer shall disburse, or permit to be disbursed, the funds of the corporation as may be ordered, or authorized generally, by
the board, and shall render to the chief executive officers of the corporation and the directors whenever they may require it, an account of all transactions as treasurer and of those under his or her jurisdiction, and of the financial condition of
the corporation. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:8%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(c) The treasurer shall perform such other duties and shall have such other responsibility and authority as
may be prescribed elsewhere in these bylaws or from time to time by the board of directors. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:8%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(d) The treasurer shall have the
general duties, powers and responsibility of a treasurer of a corporation. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:8%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(e) The assistant treasurers, in the order of
their seniority, shall, in the absence, disability or inability to act of the treasurer, perform the duties and exercise the powers of the treasurer, and shall perform such other duties as the board of directors shall from time to time prescribe.
</FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">33. DUTIES OF OFFICERS MAY BE DELEGATED. If any officer of the corporation be absent or unable to act, or for any other reason
that the board may deem sufficient, the board may delegate, for the time being, some or all of the functions, duties, powers and responsibilities of any officer to any other officer, or to any other agent or employee of the corporation or other
responsible person, provided a majority of the whole board concurs therein. </FONT></P> <P STYLE="margin-top:18px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">SHARES OF STOCK </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">34. CERTIFICATES OF STOCK. The certificates for shares of stock of the corporation shall be numbered, shall be in such form as may be
prescribed by the board of directors in conformity with law, and shall be entered into the stock books of the corporation as they are issued, and such entries shall show the name and address of the person, firm, partnership, corporation or
association to whom each certificate is issued; provided that the corporation may, at its option, issue shares of stock which shall be uncertificated shares and not evidenced by certificates. Each certificate shall have printed, typed or written
thereon the name of the person, firm, partnership, corporation or association to whom it is issued, and number of shares represented thereby and shall be signed by the president or a vice president, and the treasurer or an assistant treasurer or the
secretary or an assistant secretary of the corporation, and sealed with the seal of the corporation, which seal may be facsimile, engraved or printed. If the corporation has a registrar, a transfer agent, or a transfer clerk who actually signs such
certificates, the signatures of any of the other officers above mentioned may be facsimile, engraved or printed. In case any such officer who has signed or whose facsimile signature has </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">17 </FONT></P>



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been placed upon any such certificate shall have ceased to be such officer before such certificate is issued, such certificate may nevertheless be issued by the corporation with the same effect
as if such officer were an officer at the date of its issue. Every holder of uncertificated shares is entitled to receive a statement of holdings as evidence of share ownership. Upon the request of any holder of uncertificated shares, the
corporation shall also furnish such information as is required under Missouri law. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">35. TRANSFERS OF SHARES, TRANSFER AGENT,
REGISTRAR. Transfers of shares of stock shall be made on the books of the corporation only by the person named in the stock certificate or by his or her attorney lawfully constituted in writing, and upon surrender of the certificate therefor. The
stock record books and other transfer records shall be in the possession of the secretary or of a transfer agent or clerk of the corporation. The corporation may from time to time appoint a transfer agent and if desired a registrar, under such
arrangements and upon such terms and conditions as the corporation deems advisable; but until and unless the corporation appoints some other person, firm, or corporation as its transfer agent (and upon the revocation of any such appointment,
thereafter until a new appointment is similarly made) the secretary shall be the transfer agent or clerk of the corporation, without the necessity of any formal action of the board of directors and the secretary shall perform all of the duties
thereof. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">36. LOST CERTIFICATE. In the case of the loss or destruction of any outstanding certificate for shares of stock of
the corporation, the corporation may issue a duplicate certificate (plainly marked &#147;duplicate&#148;), in its place, provided the registered owner thereof or his legal representatives furnish due proof of loss thereof by affidavit, and (if
required by the board of directors, in its discretion) furnish a bond in such amount and form and with such surety as may be prescribed by the board. In addition, the board of directors may make any other requirements which it deems advisable.
</FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">37. CLOSING OF TRANSFER BOOKS. The board of directors shall have power to close the stock transfer books of the corporation
for a period not exceeding seventy days preceding the date of any meeting of the shareholders, or the date for payment of any dividend, or the date for the allotment of rights, or any effective date or change or conversion or exchange of capital
stock; provided, however, that in lieu of closing the stock transfer books as aforesaid, the board of directors may fix in advance a date, not exceeding seventy days preceding the effective date of any of the above enumerated transactions, as a
record date; and in either case such shareholders and only such shareholders as shall be shareholders of record on the date of closing the transfer books, or on the record date so fixed, shall be entitled to receive notice of any such transaction or
to participate in any such transactions notwithstanding any transfer of any share on the books of the corporation after the date of closing the transfer books or such record date so fixed. </FONT></P>
<P STYLE="margin-top:24px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">GENERAL </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">38.
DIVIDENDS. Dividends upon the shares of stock of the corporation, subject to any applicable provisions of the Articles of Incorporation and of any applicable laws or statutes may be declared by the board of directors at any regular or special
meeting. Dividends may be paid in cash, in property or in shares of its stock and to the extent and in the manner provided by law out of any available earned surplus or earnings of the corporation. Liquidating dividends or dividends representing a
distribution of paid-in surplus or a return of capital shall be made only when and in the manner permitted by law. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">18 </FONT></P>



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 <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">39. CREATION OF RESERVES. Before the payment of any dividends, there may be set aside out of
any funds of the corporation available for dividends such sum or sums as the board of directors from time to time, in their absolute discretion, think proper as a reserve fund or funds, to meet contingencies, or for equalizing dividends, or for
repairing, or maintaining any property of the corporation, or for such other purposes as the board of directors shall think conducive to the interests of the corporation, and the board of directors may abolish any such reserve in the manner in which
it was created. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">40. FIXING OF CAPITAL, TRANSFERS OF SURPLUS. Except as may be specifically otherwise provided in the Articles
of Incorporation, the board of directors is expressly empowered to exercise all authority conferred upon it or the corporation by any law or statute, and in conformity therewith, relative to: </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:8%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(a) The determination of what part of the consideration received for shares of the corporation shall be capital; </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:8%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(b) Increasing or reducing capital; </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:8%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">(c) Transferring surplus to capital or capital to surplus; </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:8%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(d) Allocating
capital to shares of a particular class of stock; </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:8%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(e) The consideration to be received by the corporation for its shares; and
</FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:8%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(f) All similar or related matters; </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">provided that any concurrent action or consent by or of the corporation and its shareholders required to be taken or given pursuant to law, shall be duly taken or given in connection therewith.
</FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">41. CHECKS, NOTES AND MORTGAGES. All checks, drafts, or other instruments for the payment, disbursement, or transfer of
monies or funds of the corporation may be signed in its behalf by the treasurer of the corporation, unless otherwise provided by the board of directors. All notes of the corporation and any mortgages or other forms of security given to secure the
payment of the same may be signed by the president who may cause to be affixed the corporate seal attested by the secretary or assistant secretary. The board of directors by resolution adopted by a majority of the whole board from time to time may
authorize any officer or officers or other responsible person or persons to execute any of the foregoing instruments for and in behalf of the corporation. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">42. FISCAL YEAR. The board of directors may fix and from time to time change the fiscal year of the corporation. In the absence of action by the board of directors, the fiscal year shall end each year on
the same date which the officers of the corporation elect for the close of its first fiscal period. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">19 </FONT></P>



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 <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">43. TRANSACTIONS WITH RELATED PERSONS. The affirmative vote of at least a majority of the
outstanding shares of the corporation entitled to vote on the matter and present in person or by proxy at a meeting at which a quorum is present, unless a greater approval requirement is required by law, shall be required for the approval or
authorization of any business transaction with a related person as set forth in the Articles of Incorporation in the manner provided therein. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">44. DIRECTOR&#146;S DUTIES; CONSIDERATION OF TENDER OFFERS. The board of directors shall have broad discretion and authority in considering and evaluating tender offers for the stock of this corporation.
Directors shall not be liable for breach of their fiduciary duty to the shareholders merely because the board votes to accept an offer that is not the highest price per share, provided, that the directors act in good faith in considering collateral
nonprice factors and the impact on constituencies other than the shareholders (i.e., effect on employees, corporate existence, corporate creditors, the community, etc.) and do not act in willful disregard of their duties to the shareholders or with
a purpose, direct or indirect, to perpetuate themselves in office as directors of the corporation. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">45. AMENDMENT OF BYLAWS.
</FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:8%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(a) <U>By Directors</U>. The board of directors may make, alter, amend, change, add to or repeal these bylaws, or any
provision thereof, at any time. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:8%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(b) <U>By Shareholders</U>. These bylaws may be amended, modified, altered, or repealed by
the shareholders, in whole or in part, only at the annual meeting of shareholders or at the special meeting of shareholders called for such purpose, only upon the affirmative vote of the holders of at least a majority of the outstanding shares of
stock of this corporation entitled to vote generally in the election of directors and represented in person or by proxy at a meeting at which a quorum is present. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">20 </FONT></P>


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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-10.1
<SEQUENCE>3
<FILENAME>d308610dex101.htm
<DESCRIPTION>FIRST AMENDMENT TO CREDIT AGREEMENT
<TEXT>
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<TITLE>First Amendment to Credit Agreement</TITLE>
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 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Exhibit 10.1 </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2">March&nbsp;2, 2012 </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Block Financial LLC </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">H&amp;R Block, Inc. </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">One H&amp;R Block Way </FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Kansas City, MO 64105 </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Re:
<U>First Amendment to Credit Agreement (&#147;First Amendment&#148;)</U> </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Ladies/Gentlemen: </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Please refer to the Credit and Guarantee Agreement dated as of March&nbsp;4, 2010 (the &#147;<U>Credit Agreement</U>&#148;) among Block
Financial LLC (the &#147;<U>Borrower</U>&#148;), H&amp;R Block, Inc. (the &#147;<U>Guarantor</U>&#148;), various financial institutions (the &#147;<U>Lenders</U>&#148;) and Bank of America, N.A., as Administrative Agent. Capitalized terms used but
not otherwise defined herein have the respective meanings assigned to them in the Credit Agreement. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">The parties hereto agree
as follows: </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">1. At the request of the Borrower and the Guarantor, the parties hereto agree that Section&nbsp;6.01 of the
Credit Agreement is amended by deleting the amount &#147;$650,000,000&#148; therein and substituting &#147;$500,000,000&#148; therefor. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">2. This First Amendment shall become effective upon receipt by the Administrative Agent of counterparts hereof executed by the Required Lenders, the Borrower and the Guarantor. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">3. To induce the Lenders to enter into this First Amendment, the Borrower and the Guarantor represent and warrant that (a)&nbsp;the
execution, delivery and performance of this First Amendment have been duly authorized by all necessary corporate action on the part of such Credit Party; (b)&nbsp;this First Amendment has been duly executed and delivered by such Credit Party and
constitutes a legal, valid and binding obligation of such Credit Party, enforceable in accordance with its terms, subject to applicable bankruptcy, insolvency, reorganization, moratorium or other laws affecting creditors&#146; rights generally and
subject to general principles of equity, regardless of whether considered in a proceeding in equity or at law; and (c)&nbsp;as of the date of this First Amendment, (i)&nbsp;the representations and warranties of the Credit Parties set forth in
Article&nbsp;III of the Credit Agreement are true and correct in all material respects (except to the extent related to a specific earlier date) and (ii)&nbsp;no Default has occurred and is continuing. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">4. Except as specifically set forth herein, the Credit Agreement shall remain in full force and effect and is hereby ratified in all
respects. This First Amendment may be executed in counterparts and by the parties hereto on separate counterparts. A signature page hereto delivered by facsimile or in a pdf file shall be effective as delivery of an original counterpart. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">5. The provisions of Sections 10.04 (<I>Expenses; Indemnity; Damage Waiver</I>), 10.11 (<I>Governing Law; Jurisdiction; Etc.</I>) and
10.12 (<I>Waiver of Jury Trial</I>) of the Credit Agreement are incorporated by reference into this First Amendment as if fully set forth herein, <U>mutatis mutandis</U>. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><I>[Signature Pages Follow] </I></FONT></P>

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<TD WIDTH="93%"></TD></TR>
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<TD VALIGN="bottom" COLSPAN="3" NOWRAP> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">BANK OF AMERICA, N.A., as</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Administrative Agent</FONT></P></TD></TR>


<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">By:</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0px;margin-bottom:1px;border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">/s/ Aamir Saleem</FONT></P></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">Name:&nbsp;&nbsp;Aamir Saleem</FONT></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">Title:&nbsp;&nbsp;&nbsp;&nbsp;Vice President</FONT></TD></TR>
</TABLE></DIV>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
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<TD WIDTH="35%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="32%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">S-1</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Signature Page to First Amendment</I></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><I>to H&amp;R Block Credit Agreement</I></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:1px" align="left"><FONT SIZE="1">&nbsp;</FONT></P></TD></TR></TABLE>


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<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="93%"></TD></TR>
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<TD VALIGN="bottom" COLSPAN="3" NOWRAP> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">BANK OF AMERICA, N.A., as a Lender</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">and Swingline Lender</FONT></P></TD></TR>


<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">By:</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0px;margin-bottom:1px;border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">/s/ William Soo</FONT></P></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">Name:&nbsp;&nbsp;William Soo</FONT></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">Title:&nbsp;&nbsp;&nbsp;&nbsp;Vice President</FONT></TD></TR>
</TABLE></DIV>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
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<TR>
<TD WIDTH="35%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="32%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">S-2</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Signature Page to First Amendment</I></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><I>to Block Financial Credit Agreement</I></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:1px" align="left"><FONT SIZE="1">&nbsp;</FONT></P></TD></TR></TABLE>


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<TD WIDTH="93%"></TD></TR>
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<TD VALIGN="bottom" COLSPAN="3" NOWRAP> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">WELLS FARGO BANK, NATIONAL</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">ASSOCIATION, as a Lender</FONT></P></TD></TR>


<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
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<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">By:</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0px;margin-bottom:1px;border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">/s/ Reginald M. Goldsmith, III</FONT></P></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">Name:&nbsp;&nbsp;Reginald M. Goldsmith, III</FONT></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">Title:&nbsp;&nbsp;&nbsp;&nbsp;Managing Director</FONT></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE></DIV>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
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<TR>
<TD WIDTH="35%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="32%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">S-3</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Signature Page to First Amendment</I></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><I>to Block Financial Credit Agreement</I></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:1px" align="left"><FONT SIZE="1">&nbsp;</FONT></P></TD></TR></TABLE>


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<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


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<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="93%"></TD></TR>
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<TD VALIGN="bottom" COLSPAN="3" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="2">COMPASS BANK, as a Lender</FONT></TD></TR>


<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">By:</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0px;margin-bottom:1px;border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">/s/ Ramon Garcia</FONT></P></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">Name:&nbsp;&nbsp;Ramon Garcia</FONT></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">Title:&nbsp;&nbsp;&nbsp;&nbsp;Vice President</FONT></TD></TR>
</TABLE></DIV>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="35%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="32%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">S-4</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Signature Page to First Amendment</I></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><I>to Block Financial Credit Agreement</I></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:1px" align="left"><FONT SIZE="1">&nbsp;</FONT></P></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

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<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


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<TD></TD>
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<TD WIDTH="93%"></TD></TR>
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<TD VALIGN="bottom" COLSPAN="3" NOWRAP> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">CREDIT AGRICOLE CORPORATE &amp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">INVESTMENT BANK, as a Lender</FONT></P></TD></TR>


<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">By:</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0px;margin-bottom:1px;border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">/s/ Matthias Guillet</FONT></P></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">Name:&nbsp;&nbsp;Matthias Guillet</FONT></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">Title:&nbsp;&nbsp;&nbsp;&nbsp;Director</FONT></TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">By:</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0px;margin-bottom:1px;border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">/s/ Mel Smith</FONT></P></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">Name:&nbsp;&nbsp;Mel Smith</FONT></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">Title:&nbsp;&nbsp;&nbsp;&nbsp;Vice President</FONT></TD></TR>
</TABLE></DIV>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="35%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="32%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">S-5</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Signature Page to First Amendment</I></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><I>to Block Financial Credit Agreement</I></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:1px" align="left"><FONT SIZE="1">&nbsp;</FONT></P></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR>
<TD WIDTH="6%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="92%"></TD></TR>


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<TD VALIGN="top" COLSPAN="3"> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">DEUTSCHE BANK AG NEW YORK</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">BRANCH, as a Lender</FONT></P></TD></TR>
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<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">By:</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0px;margin-bottom:1px;border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">/s/ Ming K. Chu</FONT></P></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">Name:&nbsp;&nbsp;Ming K. Chu</FONT></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">Title: &nbsp;&nbsp;&nbsp;&nbsp;Vice President</FONT></TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">By:</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0px;margin-bottom:1px;border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">/s/ Heidi Sandquist</FONT></P></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">Name:&nbsp;&nbsp;Heidi Sandquist</FONT></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">Title:&nbsp;&nbsp;&nbsp;&nbsp;Director</FONT></TD></TR>
</TABLE></DIV>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="35%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="32%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">S-6</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Signature Page to First Amendment</I></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><I>to Block Financial Credit Agreement</I></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:1px" align="left"><FONT SIZE="1">&nbsp;</FONT></P></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR>
<TD WIDTH="6%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="92%"></TD></TR>


<TR>
<TD VALIGN="top" COLSPAN="3"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">SCOTIABANC INC., as a Lender</FONT></P></TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">By:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0px;margin-bottom:1px;border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">/s/ H. Thind</FONT></P></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">Name:&nbsp;&nbsp;H. Thind</FONT></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">Title:&nbsp;&nbsp;&nbsp;&nbsp;Director</FONT></TD></TR>
<TR>
<TD HEIGHT="16" COLSPAN="3"></TD></TR>
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<TD VALIGN="top" COLSPAN="3" ROWSPAN="2"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">THE BANK OF NOVA SCOTIA, as a Lender</FONT></P></TD></TR>
<TR></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">By:</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0px;margin-bottom:1px;border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">/s/ David Schwartzbard</FONT></P></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">Name:&nbsp;&nbsp;David Schwartzbard</FONT></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Title:&nbsp;&nbsp;&nbsp;&nbsp;Director</FONT></P></TD></TR>
</TABLE></DIV>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="35%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="32%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">S-7</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Signature Page to First Amendment</I></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><I>to Block Financial Credit Agreement</I></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:1px" align="left"><FONT SIZE="1">&nbsp;</FONT></P></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR>
<TD WIDTH="6%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="92%"></TD></TR>


<TR>
<TD VALIGN="top" COLSPAN="3"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">SUNTRUST BANK, as a Lender</FONT></P></TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">By:</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0px;margin-bottom:1px;border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">/s/ David Bennett</FONT></P></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">Name:&nbsp;&nbsp;David Bennett</FONT></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">Title:&nbsp;&nbsp;&nbsp;&nbsp;Vice President</FONT></TD></TR>
</TABLE></DIV>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="35%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="32%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">S-8</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Signature Page to First Amendment</I></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><I>to Block Financial Credit Agreement</I></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:1px" align="left"><FONT SIZE="1">&nbsp;</FONT></P></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR>
<TD WIDTH="6%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="92%"></TD></TR>


<TR>
<TD VALIGN="top" COLSPAN="3"> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">TORONTO DOMINION (NEW YORK)</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">LLC, as a Lender</FONT></P></TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">By:</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0px;margin-bottom:1px;border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">/s/ Robyn Zeller</FONT></P></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">Name:&nbsp;&nbsp;&nbsp;&nbsp;Robyn Zeller</FONT></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">Title:</FONT></TD></TR>
</TABLE></DIV>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="35%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="32%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">S-9</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Signature Page to First Amendment</I></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><I>to Block Financial Credit Agreement</I></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:1px" align="left"><FONT SIZE="1">&nbsp;</FONT></P></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR>
<TD WIDTH="6%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="92%"></TD></TR>


<TR>
<TD VALIGN="top" COLSPAN="3"> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">THE BANK OF TOKYO MITSUBISHI</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">UFJ, LTD., as a Lender</FONT></P></TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">By:</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0px;margin-bottom:1px;border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">/s/ Thomas Danielson</FONT></P></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">Name:&nbsp;&nbsp;Thomas Danielson</FONT></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">Title:&nbsp;&nbsp;&nbsp;&nbsp;Authorized Signatory</FONT></TD></TR>
</TABLE></DIV>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="35%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="32%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">S-10</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Signature Page to First Amendment</I></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><I>to Block Financial Credit Agreement</I></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:1px" align="left"><FONT SIZE="1">&nbsp;</FONT></P></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR>
<TD WIDTH="6%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="92%"></TD></TR>


<TR>
<TD VALIGN="top" COLSPAN="3"><FONT STYLE="font-family:Times New Roman" SIZE="2">CIBC INC., as a Lender</FONT></TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">By:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0px;margin-bottom:1px;border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">/s/ Dominic J. Sorresso</FONT></P></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">Name:&nbsp;&nbsp;Dominic J. Sorresso</FONT></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">Title:&nbsp;&nbsp;&nbsp;&nbsp;Executive Director</FONT></TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">By:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0px;margin-bottom:1px;border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">/s/ Eoin Roche</FONT></P></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">Name:&nbsp;&nbsp;Eoin Roche</FONT></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">Title:&nbsp;&nbsp;&nbsp;&nbsp;Executive Director</FONT></TD></TR>
</TABLE></DIV>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="35%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="32%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">S-11</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Signature Page to First Amendment</I></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><I>to Block Financial Credit Agreement</I></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:1px" align="left"><FONT SIZE="1">&nbsp;</FONT></P></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR>
<TD WIDTH="6%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="92%"></TD></TR>


<TR>
<TD VALIGN="top" COLSPAN="3"> <P STYLE="text-indent:2.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">COMERICA BANK, as a Lender</FONT></P></TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">By:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0px;margin-bottom:1px;border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">/s/ Mark J. Leveille</FONT></P></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">Name:&nbsp;&nbsp;Mark J. Leveille</FONT></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">Title:&nbsp;&nbsp;&nbsp;&nbsp;Vice President</FONT></TD></TR>
</TABLE></DIV>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="35%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="32%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">S-12</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Signature Page to First Amendment</I></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><I>to Block Financial Credit Agreement</I></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:1px" align="left"><FONT SIZE="1">&nbsp;</FONT></P></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="93%"></TD></TR>
<TR>
<TD VALIGN="bottom" COLSPAN="3" NOWRAP> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">U.S. BANK NATIONAL ASSOCIATION,</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">as a Lender</FONT></P></TD></TR>


<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">By:</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0px;margin-bottom:1px;border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">/s/ Magnus McDowell</FONT></P></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">Name:&nbsp;&nbsp;Magnus McDowell</FONT></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">Title:&nbsp;&nbsp;&nbsp;&nbsp;Vice President</FONT></TD></TR>
</TABLE></DIV>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="35%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="32%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">S-13</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Signature Page to First Amendment</I></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><I>to Block Financial Credit Agreement</I></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:1px" align="left"><FONT SIZE="1">&nbsp;</FONT></P></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="93%"></TD></TR>
<TR>
<TD VALIGN="bottom" COLSPAN="3" NOWRAP> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">KEYBANK, NATIONAL ASSOCIATION,</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">as a Lender</FONT></P></TD></TR>


<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">By:</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0px;margin-bottom:1px;border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">/s/ Suzannah Valdivia</FONT></P></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">Name:&nbsp;&nbsp;Suzannah Valdivia</FONT></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">Title:&nbsp;&nbsp;&nbsp;&nbsp;Vice President</FONT></TD></TR>
</TABLE></DIV>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="35%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="32%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">S-14</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Signature Page to First Amendment</I></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><I>to Block Financial Credit Agreement</I></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:1px" align="left"><FONT SIZE="1">&nbsp;</FONT></P></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR>
<TD WIDTH="6%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="92%"></TD></TR>


<TR>
<TD VALIGN="top" COLSPAN="3"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">PNC BANK NATIONAL ASSOCIATION,</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">as a Lender</FONT></P></TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">By:</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0px;margin-bottom:1px;border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">/s/ Jessica L. Fabrizi</FONT></P></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">Name:&nbsp;&nbsp;Jessica L. Fabrizi</FONT></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">Title:&nbsp;&nbsp;&nbsp;&nbsp;Vice President</FONT></TD></TR>
</TABLE></DIV>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="35%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="32%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">S-15</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Signature Page to First Amendment</I></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><I>to Block Financial Credit Agreement</I></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:1px" align="left"><FONT SIZE="1">&nbsp;</FONT></P></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="93%"></TD></TR>
<TR>
<TD VALIGN="bottom" COLSPAN="3" NOWRAP> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">ROYAL BANK OF CANADA,</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">as a Lender</FONT></P></TD></TR>


<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">By:</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0px;margin-bottom:1px;border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">/s/ Jennifer Lee-You</FONT></P></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">Name:&nbsp;&nbsp;Jennifer Lee-You</FONT></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">Title:&nbsp;&nbsp;&nbsp;&nbsp;Attorney In Fact</FONT></TD></TR>
</TABLE></DIV>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="35%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="32%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">S-16</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Signature Page to First Amendment</I></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><I>to Block Financial Credit Agreement</I></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:1px" align="left"><FONT SIZE="1">&nbsp;</FONT></P></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="93%"></TD></TR>
<TR>
<TD VALIGN="bottom" COLSPAN="3" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="2">UBS LOAN FINANCE LLC, as a Lender</FONT></TD></TR>


<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">By:</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0px;margin-bottom:1px;border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">/s/ Mary E. Evans</FONT></P></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">Name:&nbsp;&nbsp;Mary E. Evans</FONT></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">Title:&nbsp;&nbsp;&nbsp;&nbsp;Associate Director</FONT></TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">By:</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0px;margin-bottom:1px;border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">/s/ Irja R. Otsa</FONT></P></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">Name:&nbsp;&nbsp;Irja R. Otsa</FONT></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">Title:&nbsp;&nbsp;&nbsp;&nbsp;Associate Director</FONT></TD></TR>
</TABLE></DIV>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="35%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="32%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">S-17</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Signature Page to First Amendment</I></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><I>to Block Financial Credit Agreement</I></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:1px" align="left"><FONT SIZE="1">&nbsp;</FONT></P></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR>
<TD WIDTH="6%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="92%"></TD></TR>
<TR>
<TD VALIGN="bottom" COLSPAN="3" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="2">GOLDMAN SACHS BANK USA,</FONT></TD></TR>


<TR>
<TD VALIGN="top" COLSPAN="3"><FONT STYLE="font-family:Times New Roman" SIZE="2">as a Lender</FONT></TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">By:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0px;margin-bottom:1px;border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">/s/ Michelle Latzoni</FONT></P></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">Name:&nbsp;&nbsp;Michelle Latzoni</FONT></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">Title:&nbsp;&nbsp;&nbsp;&nbsp;Authorized Signatory</FONT></TD></TR>
</TABLE></DIV>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="35%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="32%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">S-18</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Signature Page to First Amendment</I></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><I>to Block Financial Credit Agreement</I></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:1px" align="left"><FONT SIZE="1">&nbsp;</FONT></P></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR>
<TD WIDTH="6%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="92%"></TD></TR>


<TR>
<TD VALIGN="top" COLSPAN="3"><FONT STYLE="font-family:Times New Roman" SIZE="2">BRANCH BANKING AND TRUST COMPANY, as a Lender</FONT></TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">By:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0px;margin-bottom:1px;border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">/s/ Roberts A. Bass</FONT></P></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">Name:&nbsp;&nbsp;Roberts A. Bass</FONT></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">Title:&nbsp;&nbsp;&nbsp;&nbsp;Senior Vice President</FONT></TD></TR>
</TABLE></DIV>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="35%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="32%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">S-19</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Signature Page to First Amendment</I></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><I>to Block Financial Credit Agreement</I></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:1px" align="left"><FONT SIZE="1">&nbsp;</FONT></P></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR>
<TD WIDTH="6%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="92%"></TD></TR>
<TR>
<TD VALIGN="bottom" COLSPAN="3" NOWRAP><FONT STYLE="font-family:Times New Roman" SIZE="2">FIFTH THIRD BANK, as a Lender</FONT></TD></TR>


<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">By:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0px;margin-bottom:1px;border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">/s/ Garland F. Robeson IV</FONT></P></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">Name:&nbsp;&nbsp;Garland F. Robeson IV</FONT></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">Title:&nbsp;&nbsp;&nbsp;&nbsp;Vice President</FONT></TD></TR>
</TABLE></DIV>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="35%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="32%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">S-20</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Signature Page to First Amendment</I></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><I>to Block Financial Credit Agreement</I></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:1px" align="left"><FONT SIZE="1">&nbsp;</FONT></P></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR>
<TD WIDTH="6%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="92%"></TD></TR>


<TR>
<TD VALIGN="top" COLSPAN="3"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">UMB BANK, N.A. as a Lender</FONT></P></TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">By:</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0px;margin-bottom:1px;border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">/s/ Martin Nay</FONT></P></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">Name:&nbsp;&nbsp;Martin Nay</FONT></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">Title:&nbsp;&nbsp;&nbsp;&nbsp;Senior Vice President</FONT></TD></TR>
</TABLE></DIV>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="35%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="32%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">S-21</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Signature Page to First Amendment</I></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><I>to Block Financial Credit Agreement</I></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:1px" align="left"><FONT SIZE="1">&nbsp;</FONT></P></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR>
<TD WIDTH="6%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="92%"></TD></TR>


<TR>
<TD VALIGN="top" COLSPAN="3"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">THE BANK OF EAST ASIA, LIMITED,</FONT></P> <P STYLE="margin-top:0px;margin-bottom:1px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">NEW YORK BRANCH, as a Lender</FONT></P></TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">By:</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0px;margin-bottom:1px;border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">/s/ James Hua</FONT></P></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">Name:&nbsp;&nbsp;James Hua</FONT></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">Title:&nbsp;&nbsp;&nbsp;&nbsp;Senior Vice President</FONT></TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">By:</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0px;margin-bottom:1px;border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">/s/ Kitty Sin</FONT></P></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">Name:&nbsp;&nbsp;Kitty Sin</FONT></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">Title:&nbsp;&nbsp;&nbsp;&nbsp;Senior Vice President</FONT></TD></TR>
</TABLE></DIV>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="35%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="32%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">S-22</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Signature Page to First Amendment</I></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><I>to Block Financial Credit Agreement</I></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:1px" align="left"><FONT SIZE="1">&nbsp;</FONT></P></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

<DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR>
<TD WIDTH="6%"></TD>
<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD WIDTH="92%"></TD></TR>


<TR>
<TD VALIGN="top" COLSPAN="3"><FONT STYLE="font-family:Times New Roman" SIZE="2">COMMERCE BANK N.A., as a Lender</FONT></TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">By:</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0px;margin-bottom:1px;border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">/s/ Angie Currie</FONT></P></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">Name:&nbsp;&nbsp;Angie Currie</FONT></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">Title:&nbsp;&nbsp;&nbsp;&nbsp;Officer</FONT></TD></TR>
</TABLE></DIV>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE" ALIGN="center">

<TR>
<TD WIDTH="35%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="32%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">S-23</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Signature Page to First Amendment</I></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><I>to Block Financial Credit Agreement</I></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:1px" align="left"><FONT SIZE="1">&nbsp;</FONT></P></TD></TR></TABLE>


<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:2%; text-indent:-2%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Agreed to and accepted as of the date first written&nbsp;above: </FONT></P>

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<TD WIDTH="86%"></TD></TR>


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<TD HEIGHT="16" COLSPAN="3"></TD></TR>
<TR>
<TD VALIGN="top" COLSPAN="3"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">BLOCK FINANCIAL LLC</FONT></P></TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">By:</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0px;margin-bottom:1px;border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">/s/ Vincent C. Clark</FONT></P></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Name:</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">Vincent C. Clark</FONT></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Title:</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">Vice President and Treasurer</FONT></TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">H&amp;R BLOCK, INC.</FONT></TD></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">By:</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0px;margin-bottom:1px;border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">/s/ Vincent C. Clark</FONT></P></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Name:</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">Vincent C. Clark</FONT></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Title:</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">Vice President and Treasurer</FONT></TD></TR>
</TABLE>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P>
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<TR>
<TD WIDTH="35%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="32%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="31%"></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">S-24</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2"><I>Signature Page to First Amendment</I></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><I>to Block Financial Credit Agreement</I></FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:1px" align="left"><FONT SIZE="1">&nbsp;</FONT></P></TD></TR></TABLE>

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</DOCUMENT>
<DOCUMENT>
<TYPE>EX-10.2
<SEQUENCE>4
<FILENAME>d308610dex102.htm
<DESCRIPTION>FORM OF INDEMNIFICATION AGREEMENT, AND SCHEDULE OF PARTIES
<TEXT>
<HTML><HEAD>
<TITLE>Form of Indemnification Agreement, and Schedule of Parties</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Exhibit 10.2 </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B><U>INDEMNIFICATION AGREEMENT </U></B></FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">This Indemnification Agreement (this
&#147;<U>Agreement</U>&#148;) is made and entered into this &nbsp;&nbsp;&nbsp;&nbsp;day of &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;, 20&nbsp;&nbsp;&nbsp;&nbsp;between H&amp;R Block, Inc., a Missouri corporation (the
&#147;<U>Company</U>&#148;), and &nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(&#147;<U>Indemnitee</U>&#148;), a director and/or officer of the Company. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">WHEREAS, Indemnitee serves on the Company&#146;s Board of Directors (the &#147;<U>Board</U>&#148;) and/or is an officer of the Company,
or has been nominated to serve on the Board or appointed to be an officer of the Company, and agrees, on the condition that Indemnitee be so indemnified, to continue to serve or to serve as a director or an officer of the Company and in such
capacity will render services to the Company; </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">WHEREAS, the Company is aware that because of the increased exposure to
litigation subjecting directors and officers to expensive litigation risks, talented and experienced persons are increasingly reluctant to serve or continue to serve as directors and/or officers of corporations unless they are appropriately
indemnified; </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">WHEREAS, the Company is also aware that statutes and judicial decisions regarding the duties of directors and
officers are often difficult to apply, ambiguous or conflicting and therefore fail to provide directors and officers with adequate guidance regarding the proper course of action; </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">WHEREAS, the Company desires to attract and retain the services of highly experienced and capable individuals, such as Indemnitee, to
serve as directors and officers of the Company and to indemnify its directors and officers so as to provide them with the maximum protection permitted by law; </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">WHEREAS, the Company believes that it is reasonable, prudent, fair, proper and necessary to protect the Company&#146;s directors and officers from the risk of judgments, fines, settlements and other
expenses that may occur as a result of their service to the Company; </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">WHEREAS, in recognition of Indemnitee&#146;s reliance on
the provisions of the Bylaws of the Company that require or permit indemnification of Indemnitee to the fullest extent permitted by law, and in part to provide Indemnitee with specific contractual assurance that the protection under such Bylaws will
be available to Indemnitee (regardless of, among other things, any amendment to or revocation of such Bylaws or any change in the composition of the Board or acquisition transaction relating to the Company), the Company wishes to provide in this
Agreement for the indemnification of, and the advancement of expenses to, Indemnitee to the fullest extent, whether partial or complete, permitted by law and as set forth in this Agreement. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">NOW, THEREFORE, in consideration of the premises contained herein, including Indemnitee&#146;s agreement to serve or continue to serve as
a director or an officer, and for other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the Company and Indemnitee, intending to be legally bound, hereby agree as follows: </FONT></P>
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 <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">SECTION 1. Definitions. For purposes of this Agreement, the following terms shall have the
meanings set forth below: </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; margin-left:4%; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(a) &#147;<U>Change of Control</U>&#148; shall be deemed to have occurred in any one
of the following circumstances occurring after the date hereof: (i)&nbsp;there shall have occurred an event required to be reported with respect to the Company in response to Item&nbsp;6(e) of Schedule 14A of Regulation 14A (or in response to any
similar item or any similar schedule or form) under the Securities Exchange Act of 1934, as amended (the &#147;<U>Exchange Act</U>&#148;), regardless of whether the Company is then subject to such reporting requirement, (ii)&nbsp;any
&#147;person&#148; (as such term is used in Sections 13(d) and 14(d) of the Exchange Act) shall have become the &#147;beneficial owner&#148; (as defined in Rule 13d-3 under the Exchange Act), directly or indirectly, of securities of the Company
representing 15% or more of the combined voting power of the Company&#146;s then outstanding voting securities, (iii)&nbsp;the Company is a party to a merger, consolidation, sale of assets or other reorganization, or a proxy contest, as a
consequence of which members of the Board in office immediately prior to such transaction or event constitute less than a majority of the Board thereafter, (iv)&nbsp;all or substantially all the assets of the Company are sold or disposed of in a
transaction or series of related transactions, or (v)&nbsp;the individuals who on the date hereof constitute the Board (including, for this purpose, any new director whose election or nomination for election by the Company&#146;s shareholders was
approved by a vote of at least two-thirds of the directors then still in office who were directors on the date hereof) cease for any reason to constitute at least a majority of the Board. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px; margin-left:4%; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(b) &#147;<U>Enterprise</U>&#148; means any Person of which Indemnitee is or was a Fiduciary. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px; margin-left:4%; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(c) &#147;<U>Expenses</U>&#148; means all direct and indirect costs (including, without limitation, reasonable
attorneys&#146; fees, retainers, court costs, transcripts, fees of experts, witness fees, travel expenses, appeal bonds, duplicating costs, printing and binding costs, telephone charges, postage, delivery service fees, and all other disbursements or
out-of-pocket expenses) actually and reasonably incurred in connection with (i)&nbsp;any Proceeding, (ii)&nbsp;establishing or enforcing any right to indemnification or advancement of expenses under this Agreement, applicable law, any other
agreement, or any provision of the Company&#146;s Articles of Incorporation or Bylaws now or hereafter in effect or otherwise, or (iii)&nbsp;the review and preparation of this Agreement on behalf of Indemnitee; provided, however, that
&#147;Expenses&#148; shall not include any Liabilities. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; margin-left:4%; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(d) &#147;<U>Fiduciary</U>&#148; means an individual
serving as a director, officer, trustee, general partner, managing member, fiduciary, board of directors&#146; committee member, employee or agent of (i)&nbsp;the Company, (ii)&nbsp;any resulting corporation in connection with a consolidation or
merger to which the Company is a party, or (iii)&nbsp;any other Person (including an employee benefit plan) at the request of the Company, including any service with respect to an employee benefit plan, its participants or its beneficiaries.
</FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">2 </FONT></P>


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 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(e) &#147;<U>Independent Counsel</U>&#148; means a law firm, or a member of
a law firm, that is experienced in matters of corporate law and neither currently is, nor in the five years previous to its selection or appointment has been, retained to represent (i)&nbsp;the Company or Indemnitee in any matter material to either
such party (other than as Independent Counsel with respect to matters concerning the rights of Indemnitee under this Agreement or of other indemnities under similar indemnification agreements) or (ii)&nbsp;any other party to the Proceeding giving
rise to a claim for indemnification hereunder. For the avoidance of doubt, any law firm or member of a law firm that shall have advised either party with respect to the review and preparation of this Agreement shall not be Independent Counsel for
the purposes of this Agreement. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; margin-left:4%; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(f) &#147;<U>Liabilities</U>&#148; means liabilities of any type whatsoever
incurred by reason of (i)&nbsp;the fact that Indemnitee is or was a Fiduciary, or (ii)&nbsp;any action taken (or failure to act) by him or her or on his or her behalf in the capacity of Fiduciary, including, but not limited to, any judgments, fines
(including any excise taxes assessed on Indemnitee with respect to an employee benefit plan), ERISA excise taxes and penalties, and penalties and amounts paid in settlement of any Proceeding (including all interest, assessments and other charges
paid or payable in connection with or in respect of such judgments, fines, penalties or amounts paid in settlement). </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; margin-left:4%; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">(g) &#147;<U>Person</U>&#148; means any individual, corporation, partnership, joint venture, firm, association, limited liability company, trust, estate, governmental unit or other enterprise or entity.
</FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; margin-left:4%; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(h) &#147;<U>Proceeding</U>&#148; means any threatened, pending or completed investigation, civil or criminal
action, third-party action, derivative action, claim, suit, arbitration, counterclaim, cross claim, alternative dispute resolution mechanism, inquiry, administrative hearing or any other proceeding whether civil, criminal, administrative,
legislative or investigative, including any appeal therefrom in which Indemnitee was involved, or threatened to be involved, as a party, witness or otherwise by reason of (i)&nbsp;the fact that Indemnitee is or was a Fiduciary, or (ii)&nbsp;any
action taken (or failure to act) by him or her or on his or her behalf in the capacity of Fiduciary. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; margin-left:4%; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(i)
&#147;<U>Subsidiary</U>&#148; means any Person of which a majority of the outstanding voting securities or other voting equity interests are owned, directly or indirectly by the Company. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">SECTION 2. Services by Indemnitee. Indemnitee agrees to continue to serve, or to serve, as a director and/or officer of the Company at
the will of the Company for so long as Indemnitee is duly elected and qualified, appointed or until such time as Indemnitee tenders a resignation in writing or is removed as a director and/or officer in accordance with the Missouri General and
Business Corporation Law (the &#147;<U>MGBCL</U>&#148;), or the Company&#146;s Bylaws as amended from time to time; </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">3 </FONT></P>


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provided, however, Indemnitee may at any time and for any reason resign from such position. However, this Agreement does not constitute either an employment contract or any commitment, express or
implied, to cause Indemnitee to be appointed as an officer. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">SECTION 3. Indemnification. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px; margin-left:4%; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(a) <U>Indemnification</U>. Subject to the further provisions of this Agreement, the Company hereby agrees to and shall
indemnify Indemnitee and hold him or her harmless from and against any and all Expenses and Liabilities incurred by Indemnitee or on Indemnitee&#146;s behalf, to the fullest extent permitted by applicable law in effect on the date hereof, and to
such greater extent as applicable law may thereafter permit or authorize. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; margin-left:4%; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(b) <U>Presumptions</U>. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px; margin-left:8%; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(i) Upon making any request for indemnification under this Agreement, Indemnitee shall be presumed to be entitled to such
indemnification and, in connection with any determination with respect to entitlement to indemnification under Section&nbsp;4(c) hereof, the Company shall have the burdens of coming forward with clear and convincing evidence and of persuasion to
overcome that presumption in connection with the making by any Person of any determination contrary to that presumption. Neither the failure of any Person to have made such determination prior to the commencement of any action pursuant to this
Agreement that indemnification is proper in the circumstances because Indemnitee has met the applicable standard of conduct, nor an actual determination by any Person that Indemnitee has not met any applicable standard of conduct, shall be a defense
to any such action by Indemnitee or create a presumption that Indemnitee has not met the applicable standard of conduct. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; margin-left:8%; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">(ii) For purposes of any determination of good faith, Indemnitee shall be deemed to have acted in good faith if Indemnitee&#146;s action is based on the records or books of account of any Enterprise,
including financial statements, or on information supplied to Indemnitee by the officers of such Enterprise in the course of their duties, or on the advice of legal counsel for such Enterprise or on information or records given or reports made to
such Enterprise by an independent certified public accountant or by an appraiser or other expert selected by such Enterprise. The provisions of this Section&nbsp;3(b) shall not be deemed to be exclusive or to limit in any way the other circumstances
in which Indemnitee may be deemed or found to have met the applicable standard of conduct set forth in this Agreement. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; margin-left:8%; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">(iii) If the Person empowered or selected under Section&nbsp;4(c) hereof to determine whether Indemnitee is entitled to indemnification shall not have made a determination within ninety (90)&nbsp;calendar
days after the final determination in the Proceeding, the requisite </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">4 </FONT></P>


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 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:8%"><FONT STYLE="font-family:Times New Roman" SIZE="2">
determination of entitlement to indemnification shall be deemed to have been made and Indemnitee shall be entitled to such indemnification, absent (A)&nbsp;a misstatement by Indemnitee of a
material fact, or an omission of a material fact necessary to make Indemnitee&#146;s statement not materially misleading, in connection with the request for indemnification, or (B)&nbsp;a prohibition of such indemnification under applicable law.
</FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; margin-left:8%; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(iv) The knowledge and/or actions, or failure to act, of any other Fiduciary shall not be imputed to
Indemnitee for purposes of determining any right to indemnification under this Agreement. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; margin-left:4%; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(c) <U>Effect of
Certain Proceedings</U>. The termination of any Proceeding by judgment, order, settlement, conviction or upon a plea of nolo contendere or its equivalent, shall not, of itself, create a presumption that Indemnitee did not act in good faith and in a
manner reasonably believed to be in or not opposed to the best interests of the Company, and with respect to any criminal Proceeding, that Indemnitee had reason to believe his or her conduct was unlawful. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">SECTION 4. Advance of Expenses; Indemnification Procedure. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; margin-left:4%; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">(a) <U>Notice by Indemnitee and Claim for Indemnification</U>. Indemnitee shall, as promptly as reasonably practicable under the circumstances, notify the Company in writing upon being served with any
summons, citation, subpoena, complaint, indictment, information or other document relating to any Proceeding or any other matter which may be subject to indemnification of Liabilities or advancement of Expenses covered by this Agreement; provided
however, that any delay or failure to so notify the Company shall relieve the Company of its obligations hereunder only to the extent, if at all, that the Company is actually and materially prejudiced by reason of such delay or failure. Notice to
the Company shall be directed to the corporate secretary of the Company, at the addresses shown on the signature page of this Agreement (or such other address as the Company shall designate in writing to Indemnitee) in accordance with
Section&nbsp;17 hereof. To obtain indemnification or advancement of Expenses under this Agreement, Indemnitee shall submit a written request therefor, which shall include a reasonably comprehensive accounting of amounts for which indemnification is
being sought and shall refer to one or more of the provisions of this Agreement pursuant to which such claim is being made and may designate that payment be made to another Person on Indemnitee&#146;s behalf. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px; margin-left:4%; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(b) <U>Advancement of Expenses</U>. The Company shall advance all Expenses incurred by Indemnitee or on Indemnitee&#146;s
behalf, without regard to Indemnitee&#146;s ultimate entitlement to indemnification under the other provisions of this Agreement. Indemnitee hereby undertakes to repay such amounts advanced unless Indemnitee is entitled to be indemnified by the
Company. Any advance, and undertakings to repay pursuant to this Section, </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">5 </FONT></P>


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shall be unsecured and interest free. The advances to be made hereunder shall be paid by the Company to Indemnitee within thirty (30)&nbsp;calendar days following delivery of any written request,
from time to time, by Indemnitee to the Company. Advances payable hereunder shall include any and all reasonable Expenses incurred pursuing an action to enforce this right of advancement, including Expenses incurred preparing and forwarding any
statements to the Company to support the advances claimed. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; margin-left:4%; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(c) <U>Determination of Entitlement to
Indemnification</U>. A determination, if expressly required by applicable law, with respect to Indemnitee&#146;s entitlement to indemnification hereunder shall be made within ninety (90)&nbsp;calendar days after final determination in the Proceeding
by (i)&nbsp;a majority vote of the Board who are not parties to the Proceeding in respect of which indemnification is sought by Indemnitee, even though less than a quorum, or (ii)&nbsp;by a committee of such directors designated by a majority vote
of such directors even though less than a quorum, or (iii)&nbsp;if there are no such directors, or if such directors so direct, by Independent Counsel in a written opinion to the Board (a copy of which opinion shall be delivered to Indemnitee), or
(iv)&nbsp;if so directed by the Board, by a vote of the shareholders; provided, however, that if there has been a Change of Control at or prior to the time of such notice by Indemnitee, Indemnitee&#146;s entitlement to indemnification shall be
determined within the foregoing time period by Independent Counsel selected by Indemnitee, such determination to be set forth in a written opinion to the Board (a copy of which opinion shall be delivered to Indemnitee). The Company agrees to pay the
reasonable fees of any Independent Counsel and to fully indemnify such Independent Counsel against any and all Expenses, claims, liabilities and damages arising out of or relating to this Agreement or its engagement pursuant hereto. If, pursuant to
the foregoing, it is determined that Indemnitee is entitled to indemnification, payment to Indemnitee shall be made (net of all amounts, if any, previously advanced to Indemnitee or other Persons on Indemnitee&#146;s behalf) within thirty
(30)&nbsp;calendar days from the date of notice to the Company of the determination. Indemnitee shall reasonably cooperate in the making of such determination, including providing upon reasonable advance request any documentation or information that
is not privileged or otherwise protected from disclosure and that is reasonably available to Indemnitee and reasonably necessary to such determination. Any costs or expenses (including reasonable attorneys&#146; fees and disbursements) incurred by
Indemnitee in so cooperating with the Person making such determination shall be included as Expenses for the purposes of this Agreement. Nothing in this Section&nbsp;4(c) shall be construed to limit or modify the presumptions in favor of Indemnitee
set forth in Section&nbsp;3(b). </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; margin-left:4%; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(d) <U>Notice to Insurers</U>. If, at the time of the receipt of any notice of
any Proceeding pursuant to Section&nbsp;4(a) hereof, the Company has directors&#146; and officers&#146; liability insurance in effect, then the Company shall give prompt notice of the commencement of such Proceeding to the directors&#146; and
officers&#146; liability insurers in accordance with the procedures set forth in the respective policies. The Company shall thereafter take all necessary or appropriate </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">6 </FONT></P>


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 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">
action to cause such insurers to pay, on behalf of Indemnitee, all amounts payable as a result of such Proceeding in accordance with the terms of such policies. The failure or refusal of such
insurers to pay any such amount shall not affect or impair the obligations of the Company under this Agreement. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px; margin-left:4%; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(e) <U>Control of Defense; Counsel Costs; Settlement</U>. In connection with paying the Expenses of any Proceeding against
Indemnitee under Section&nbsp;4(b), the Company shall be entitled to elect to assume the defense of such Proceeding, with counsel approved by Indemnitee, which approval shall not be unreasonably withheld, by the delivery to Indemnitee of written
notice of its election to do so. After delivery of such notice, approval of such counsel by Indemnitee and the retention of such counsel by the Company, the Company shall not be liable to Indemnitee under this Agreement for any fees of separate
counsel subsequently incurred by Indemnitee with respect to the same Proceeding; provided, that (i)&nbsp;Indemnitee shall have the right to employ counsel in any such Proceeding at Indemnitee&#146;s expense; and provided, further (ii)&nbsp;if
(A)&nbsp;the employment of counsel by Indemnitee has been authorized by the Company, (B)&nbsp;Indemnitee shall have reasonably concluded that there is an actual conflict of interest between the Company and Indemnitee in the conduct of any such
defense, or (C)&nbsp;the Company shall not have employed counsel to assume the defense of such Proceeding within a reasonable period of time, then in any such event the reasonable fees and expenses of Indemnitee&#146;s counsel shall be at the
expense of the Company. The Company shall not be entitled to assume the defense of any Proceeding brought in the name of or on behalf of the Company or as to which Indemnitee shall have made the conclusion provided for in (B)&nbsp;above, in which
case Indemnitee shall have the right to employ counsel in such Proceeding and the reasonable fees and expenses of Indemnitee&#146;s counsel shall be at the expense of the Company. Notwithstanding the foregoing, if at any time the Company fails to
pay any Expenses with respect to any Proceeding in accordance with Section&nbsp;4(b) hereof, Indemnitee shall immediately be entitled to assume and control his own defense in such Proceeding with counsel of his own choice (by notice to the Company),
and will have all rights to advancement of Expenses and indemnification of those Expenses hereunder. If two or more persons, including Indemnitee, may be entitled to indemnification from the Company as parties to any Proceeding, the Company may
require Indemnitee to use the same legal counsel as the other parties. Indemnitee shall have the right to use separate legal counsel in the Proceeding, but the Company shall not be liable to Indemnitee under this Agreement for the fees and expenses
of separate legal counsel incurred after the notice from the Company of the requirement to use the same legal counsel as the other parties, unless Indemnitee reasonably concludes that there may be a conflict of interest between Indemnitee and any of
the other parties required by the Company to be so represented by the same legal counsel. The Company shall not settle any action or claim in any manner that would impose any limitation or unindemnified penalty on Indemnitee without
Indemnitee&#146;s written consent, which consent shall not be unreasonably withheld. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">7 </FONT></P>


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 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%; text-indent:4%;padding-bottom:0px;"><FONT STYLE="font-family:Times New Roman" SIZE="2">(f) <U>Compliance with Section&nbsp;409A</U>. Any
reimbursement by the Company to Indemnitee under this Agreement must be made not later than
December&nbsp;31</FONT><FONT STYLE="font-family:Times New Roman" SIZE="1"><SUP STYLE="vertical-align:baseline; position:relative; bottom:.8ex">st</SUP></FONT><FONT STYLE="font-family:Times New Roman" SIZE="2"> of the year following the year in which
Indemnitee incurs the Expense, and in no event will the amount of Expenses so reimbursed by the Company in one year affect the amount of Expenses eligible for reimbursement in another taxable year. Each payment or reimbursement made under the
provisions of this Agreement is regarded as a separate payment and not one of a series of payments for purposes of Section&nbsp;409A of the Internal Revenue Code of 1986, as amended, including any proposed, temporary or final regulations, or any
other guidance, promulgated with respect to the Section by the U.S. Department of Treasury or the Internal Revenue Service. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">SECTION 5. Remedies of Indemnitee. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; margin-left:4%; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">(a) In the event that (i)&nbsp;a determination is made pursuant to Section&nbsp;4(c) of this Agreement that Indemnitee is not entitled to indemnification under this Agreement, (ii)&nbsp;advancement of
Expenses is not timely made pursuant to Section&nbsp;4(b) hereof, (iii)&nbsp;no determination of entitlement to indemnification shall have been made pursuant to Section&nbsp;4(c) hereof within ninety (90)&nbsp;calendar days after final determination
in the Proceeding, or (iv)&nbsp;payment of indemnification is not made pursuant to Section&nbsp;4(c) hereof within thirty (30)&nbsp;calendar days after the date of notice to the Company of the determination that Indemnitee is entitled to
indemnification, Indemnitee shall be entitled to an adjudication by a court of competent jurisdiction of his entitlement to such indemnification, advancement of Expenses, or to recover damages for breach of this Agreement. The Company shall not
oppose Indemnitee&#146;s right to seek any such adjudication. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; margin-left:4%; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(b) In the event that a determination shall have
been made pursuant to Section&nbsp;4(c) of this Agreement that Indemnitee is not entitled to indemnification, any judicial proceeding commenced pursuant to this Section&nbsp;5 shall be conducted in all respects as a de novo trial and Indemnitee
shall not be prejudiced by reason of that adverse determination. In any judicial proceeding commenced pursuant to this Section&nbsp;5 the Company shall have the burdens of coming forward with clear and convincing evidence and of persuasion that
Indemnitee is not entitled to indemnification, and the Company may not refer to or introduce into evidence any determination pursuant to Section&nbsp;4(c) of this Agreement adverse to Indemnitee for any purpose. If a determination shall have been
made pursuant to Section&nbsp;4(c) hereof that Indemnitee is entitled to indemnification, the Company shall be bound by such determination in any judicial proceeding commenced pursuant to this Section&nbsp;5, absent (i)&nbsp;a misstatement by
Indemnitee of a material fact, or an omission of a material fact necessary to make Indemnitee&#146;s statement not materially misleading, in connection with the request for indemnification, or (ii)&nbsp;a prohibition of such indemnification under
applicable law. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; margin-left:4%; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(c) In the event that Indemnitee, pursuant to this Section&nbsp;5, seeks
</FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">8 </FONT></P>


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 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">
a judicial adjudication to enforce Indemnitee&#146;s rights under, or to recover damages for breach of, this Agreement, Indemnitee shall be entitled to recover from the Company, and shall be
indemnified by the Company against, any and all Expenses actually and reasonably incurred by him or her in such judicial adjudication. If it shall be determined in said judicial adjudication that Indemnitee is entitled to receive part but not all of
the indemnification sought, Indemnitee shall be entitled to recover from the Company, and shall be indemnified by the Company against, any and all Expenses reasonably incurred by Indemnitee in connection with such judicial adjudication. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px; margin-left:4%; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(d) The Company shall be precluded from asserting in any judicial proceeding commenced pursuant to this Section&nbsp;5
that the procedures and presumptions of this Agreement are not valid, binding and enforceable and shall stipulate in any such court that the Company is bound by all the provisions of this Agreement. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">SECTION 6. Nonexclusivity. The indemnification provided by this Agreement shall be in addition to any rights to which Indemnitee may be
entitled under the Company&#146;s Articles of Incorporation, the Company&#146;s Bylaws, any agreement, any vote of shareholders or disinterested directors, the MGBCL or otherwise, both as to action in Indemnitee&#146;s official capacity and as to
action in another capacity while holding such office. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">SECTION 7. Partial Indemnification. If Indemnitee is entitled under any
provision of this Agreement to indemnification by the Company for some or a portion of the Expenses or Liabilities actually or reasonably incurred by Indemnitee in investigation, defense, appeal or settlement of any Proceeding, but not, however, for
the total amount thereof, the Company shall nevertheless indemnify Indemnitee for the portion of such Expenses and Liabilities to which Indemnitee is entitled. Moreover, notwithstanding any other provision of this Agreement, in the event that
Indemnitee has been successful on the merits or otherwise in defense of any or all claims for which indemnification is sought hereunder, Indemnitee shall be indemnified against all Expenses incurred in connection therewith. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">SECTION 8. Mutual Acknowledgment. Both the Company and Indemnitee acknowledge that in certain instances, federal or state law or
applicable public policy may prohibit the Company from advancing expenses or indemnifying Indemnitee under this Agreement or otherwise. Indemnitee understands and acknowledges that the Company may be required in the future to undertake with the
Securities and Exchange Commission to submit the question of indemnification to a court in certain circumstances for a determination of the Company&#146;s right under public policy to indemnify Indemnitee. Any action taken pursuant to the terms of
this Section&nbsp;8 shall not constitute a breach of this Agreement. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">SECTION 9. Directors&#146; and Officers&#146; Liability
Insurance. The Company shall use commercially reasonable efforts to obtain and maintain on an ongoing basis a policy or policies of insurance on commercially reasonable terms with reputable insurance companies providing liability insurance for
Fiduciaries, </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">9 </FONT></P>


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 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">
including Indemnitee, in respect of acts or omissions occurring while serving in such capacity, and to ensure the Company&#146;s performance of its indemnification obligations under this
Agreement, on terms with respect to coverage and amount (including with respect to the payment of Expenses). To the extent that the Company maintains a policy or policies of insurance pursuant to this Section&nbsp;9, Indemnitee shall be covered by
such policy or policies in accordance with its or their terms to the maximum extent of the coverage available for any similarly situated Fiduciary under such policy or policies. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">SECTION 10. Severability. If this Agreement or any portion hereof shall be invalidated or ruled to be unenforceable on any ground by any
court of competent jurisdiction, then the Company shall nevertheless indemnify Indemnitee to the fullest extent permitted by applicable law and the court is expressly requested and authorized to construe this Agreement in order, as closely as
possible, to provide the benefits to Indemnitee intended by this Agreement. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">SECTION 11. Duration of Agreement. The
indemnification provided under this Agreement shall continue as to Indemnitee for any action taken or not taken while serving as a Fiduciary even though Indemnitee may have ceased to serve in such capacity at the time of any action or other covered
proceeding. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">SECTION 12. Exceptions. Any other provision herein to the contrary notwithstanding, the Company shall not be
obligated pursuant to the terms of this Agreement to indemnify Indemnitee as follows: </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; margin-left:4%; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(a) <U>Excluded
Acts</U>. No indemnification shall be made for any acts or omissions or transactions if and to the extent that it shall be finally determined, that a director or officer may not be relieved of liability arising from any such acts or omissions or
transactions under the MGBCL; </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; margin-left:4%; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(b) <U>Claims Initiated by Indemnitee</U>. No indemnification or advance of
Expenses to Indemnitee shall be made with respect to Proceedings or claims initiated or brought voluntarily by Indemnitee and not by way of defense or compulsory counterclaim, except with respect to such Proceedings brought to establish or enforce a
right to indemnification or advancement of Expenses under this Agreement or any other statute or applicable law or otherwise as required under Section&nbsp;351.355.3 of the MGBCL or any provision of the Articles of Incorporation or Bylaws of the
Company, unless (i)&nbsp;the Board has approved the initiation or bringing of such Proceeding (or any part of any Proceeding) or (ii)&nbsp;the Company provides the indemnification, in its sole discretion, pursuant to the powers vested in the Company
under applicable law; </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; margin-left:4%; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(c) <U>Lack of Good Faith</U>. No indemnification shall be made to indemnify Indemnitee
for any Expenses or Liabilities incurred by Indemnitee with respect to any Proceedings instituted by Indemnitee to enforce or interpret this Agreement, if it shall be determined by a final judgment or other final adjudication, not subject to further
appeal or review, that each of the material assertions made by Indemnitee in such proceeding was not made in good faith or was frivolous; </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">10 </FONT></P>



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 <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:4%; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(d) <U>Insured Claims</U>. No indemnification shall be made to indemnify
Indemnitee for Expenses or Liabilities of any type whatsoever if, but only to the extent that, Indemnitee shall have actually received payment with respect to any such Expenses or Liabilities from an insurer under any policy of directors&#146; and
officers&#146; liability insurance maintained by the Company, and any such payment shall not be recovered (in whole or in part) from Indemnitee by such insurer; </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; margin-left:4%; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">(e) <U>Claims under Section&nbsp;16(b) or Sarbanes Oxley Act</U>. No indemnification shall be made under this Agreement for Expenses, Liabilities and the payment of profits arising from (i)&nbsp;the
purchase and sale by Indemnitee of securities in violation of Section&nbsp;16(b) of the Exchange Act or any similar state or local law with respect to the disgorgement of &#147;short swing&#148; profits or (ii)&nbsp;any reimbursement of the Company
by Indemnitee of any bonus or other incentive-based or equity-based compensation or of any profits realized by Indemnitee from the sale of securities of the Company, as required in each case under the Exchange Act (including any such reimbursements
that arise pursuant to Section&nbsp;304 of the Sarbanes-Oxley Act of 2002 (the &#147;<U>Sarbanes-Oxley Act</U>&#148;) from an accounting restatement by the Company, the payment to the Company of profits arising from the purchase, sale or other
acquisition or transfer by Indemnitee of securities in violation of Section&nbsp;306 of the Sarbanes-Oxley Act, or any similar mandatory clawback rules or regulations adopted pursuant to the Exchange Act or the Dodd-Frank Wall Street Reform and
Consumer Protection Act, or by applicable stock exchanges.) or under any employee benefit plan of the Company or other compensatory agreement to which Indemnitee is a party; or </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px; margin-left:4%; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(f) <U>Unauthorized Settlements</U>. No indemnification shall be made under this Agreement for any amounts paid in
settlement of any Proceedings covered hereby without the prior consent of the Company to such settlement, which consent shall not be unreasonably withheld; </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">provided, that nothing in this Section&nbsp;12 shall be construed to limit or modify the presumptions in favor of Indemnitee set forth in Section&nbsp;3(b). </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">SECTION 13. Effectiveness of Agreement. The indemnification permitted under the terms of certain provisions of this Agreement shall be
effective as of the date first-above written and shall apply to acts or omissions of Indemnitee which occurred prior to such date if Indemnitee was a Fiduciary at the time such act or omission occurred. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">SECTION 14. Counterparts. This Agreement may be executed in two or more counterparts, each of which shall constitute an original, and all
of which shall constitute one and the same agreement. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">11 </FONT></P>



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 <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">SECTION 15. Successors and Assigns. </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px; margin-left:4%; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(a) This Agreement shall be binding upon and inure to the benefit of and be enforceable by the parties hereto and their
respective successors, assigns, including any direct or indirect successor by purchase, merger, consolidation or otherwise to all or substantially all of the business and/or assets of the Company, spouses, heirs, and executors, administrators,
personal and legal representatives. The Company shall require and cause any successor (whether direct or indirect by purchase, merger, consolidation or otherwise) to all or substantially all, or a substantial part of the business or assets of the
Company, by written agreement in the form and substance satisfactory to Indemnitee, expressly to assume and agree to perform this Agreement in the manner and to the same extent that the Company would be required to perform if no such succession had
taken place. </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; margin-left:4%; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(b) The right to indemnification and advancement of Expenses provided by this Agreement shall
continue as to a person who has ceased to be a Fiduciary. If Indemnitee is deceased and would have been entitled to indemnification under any provision of this Agreement, when requested in writing by the spouse of Indemnitee, and/or
Indemnitee&#146;s heirs, executors, administrators, legatees or assigns, the Company shall provide appropriate evidence of the Company&#146;s agreement set out herein. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">SECTION 16. Modification and Waiver. No supplement, modification or amendment of this Agreement shall be binding unless executed in writing by both of the parties hereto. The observance of any term of
this Agreement may be waived (either generally or in a particular instance and either retroactively or prospectively) by the party entitled to enforce such term only by a writing signed by the party against which such waiver is to be asserted. No
waiver of any of the provisions of this Agreement shall be deemed or shall constitute a waiver of any other provisions hereof (whether or not similar) nor shall such waiver constitute a continuing waiver. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">SECTION 17. Notice. All notices, requests, demands and other communications under this Agreement shall be in writing and shall be deemed
duly given (i)&nbsp;if delivered by hand or by courier and receipted for by the party addressee, on the date of such receipt, (ii)&nbsp;if mailed by domestic certified or registered mail with postage prepaid, on the third business day after the date
postmarked or (iii)&nbsp;if sent by facsimile transmission and fax confirmation is received, on the next business day following the date on which such facsimile transmission was sent. Addresses for notice to either party are as shown on the
signature page of this Agreement, and may be subsequently modified by written notice. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">SECTION 18. Subrogation. In the event
of payment under this Agreement, the Company shall be subrogated to the extent of such payment to all of the rights of recovery of Indemnitee, who shall, at the Company&#146;s expense, execute all documents required and do all acts that may be
necessary to secure such rights and to enable the Company effectively to bring suit to enforce such rights. </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">12 </FONT></P>



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 <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">SECTION 19. Evidence of Coverage. Upon request by Indemnitee, the Company shall provide
copies of any and all directors&#146; and officers&#146; liability insurance policies obtained and maintained in accordance with Section&nbsp;9 of this Agreement. The Company shall promptly notify Indemnitee of any changes in the Company&#146;s
directors&#146; and officers&#146; liability insurance coverage. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">SECTION 20. Contribution. In order to provide for just and
equitable contribution in circumstances in which the indemnification provided for herein is held by a court of competent jurisdiction to be unavailable to Indemnitee in whole or part, the parties agree that, in such event, the Company shall
contribute to the payment of Indemnitee&#146;s Expenses and Liabilities in an amount that is just and equitable in the circumstances, taking into account, among other things, contributions by other directors and officers of the Company pursuant to
indemnification agreements or otherwise. The Company and Indemnitee agree that, in the absence of personal enrichment of Indemnitee, or acts of intentional fraud or dishonest or criminal conduct on the part of Indemnitee, it would not be just and
equitable for Indemnitee to contribute to the payment of Expenses and Liabilities arising out of a Proceeding in an amount greater than: (i)&nbsp;in a case where Indemnitee is a director of the Company or any of its subsidiaries but not an officer
of either, the amount of fees paid to Indemnitee for serving as a director during the 12 months preceding the commencement of such Proceeding; or (ii)&nbsp;in a case where Indemnitee is a director of the Company or any of its subsidiaries and is an
officer of either, the amount set forth in clause (i)&nbsp;plus 5 percent of the aggregate cash compensation paid to Indemnitee for serving as such officer(s) during the 12 months preceding the commencement of such Proceeding or (iii)&nbsp;in a case
where Indemnitee is only an officer of the Company or any of its subsidiaries, 5 percent of the aggregate cash consideration paid to Indemnitee for serving as such officer(s) during the 12 months preceding the commencement of such Proceeding. The
Company shall contribute to the payment of Expenses and Liabilities covered hereby to the extent not payable by Indemnitee pursuant to the contribution provisions set forth in the preceding sentence. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">SECTION 21. No Duplication of Payments. The Company shall not be liable under this Agreement to make any payment in connection with any
Expense or Liability of Indemnitee to the extent Indemnitee has otherwise actually received payment (under any insurance policy, Articles of Incorporation, Bylaws or otherwise) of the amounts otherwise indemnifiable hereunder. This Agreement shall
supersede any prior indemnification agreement between Indemnitee and the Company. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">SECTION 22. Specific Performance. The
Company and Indemnitee recognize that if any provision of this Agreement is violated by the Company, Indemnitee may be without an adequate remedy at law. Accordingly, in the event of any such violation, Indemnitee shall be entitled, if Indemnitee so
elects, to institute proceedings, either in law or at equity, to obtain damages, to enforce specific performance, to enjoin such violation, or to obtain any relief or any combination of the foregoing as Indemnitee may elect it to pursue. </FONT></P>

 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">13 </FONT></P>



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 <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">SECTION 23. Representations of the Company. The Company represents and warrants to
Indemnitee that neither the execution and delivery of this Agreement by the Company nor the consummation of the transactions set forth herein or contemplated hereby will conflict with or result in any violation of, or constitute a breach of, or a
default under, the Articles of Incorporation or Bylaws of the Company, or under any contract, instrument, agreement, understanding, mortgage, indenture, lease, insurance policy, permit, concession, grant, franchise, license, judgment, order, decree,
statute, law, ordinance, rule or regulation applicable to the Company. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">SECTION 24. Governing Law. The parties agree that this
Agreement shall be governed by, and construed and enforced in accordance with, the laws of the state of Missouri without application of the conflict of laws principles thereof. </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">SECTION 25. Consent to Jurisdiction. The Company and Indemnitee each hereby irrevocably consent to the jurisdiction and venue of the
courts of the state of Missouri for all purposes in connection with any action or proceeding which arises out of or relates to this Agreement. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">SECTION 26. Entire Agreement. This Agreement and the documents referred to herein constitute the entire agreement between the parties hereto with respect to the matters covered hereby, and any other prior
or contemporaneous oral or written understandings or agreements with respect to the matters covered hereby are superseded by this Agreement. </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2">[The remainder of this page is intentionally left blank. Signature pages follow.] </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">14 </FONT></P>



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 <P STYLE="margin-top:0px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">IN WITNESS WHEREOF, the parties hereto have executed this Agreement as of the date first
above-written. </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


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<TD WIDTH="19%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="80%"></TD></TR>


<TR>
<TD VALIGN="top" COLSPAN="3" ROWSPAN="2"> <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">H&amp;R BLOCK, INC.</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">One H&amp;R Block Way</FONT></P>
<P STYLE="margin-top:0px;margin-bottom:1px; margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Kansas City, MO 64105</FONT></P></TD></TR>
<TR></TR>
<TR>
<TD HEIGHT="16"></TD>
<TD HEIGHT="16" COLSPAN="2"></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">By:</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0px;margin-bottom:1px;border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></P></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Name:</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0px;margin-bottom:1px;border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></P></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Title:</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0px;margin-bottom:1px;border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></P></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Attention:</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">Corporate Secretary</FONT></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Facsimile:</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">816-802-1043</FONT></TD></TR>
</TABLE></DIV> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">AGREED TO AND
ACCEPTED:&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;INDEMNITEE: </FONT></P>
<P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
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<TR>
<TD WIDTH="19%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="80%"></TD></TR>


<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Name:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0px;margin-bottom:1px;border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></P></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Address:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0px;margin-bottom:1px;border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></P></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Facsimile:</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0px;margin-bottom:1px;border-bottom:1px solid #000000" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">&nbsp;</FONT></P></TD></TR>
</TABLE></DIV>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">15 </FONT></P>



<p Style='page-break-before:always'>
<HR  SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">Schedule of Parties to Indemnification Agreement </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px; margin-left:8%; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Richard K. Agar </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:8%; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Jeffrey T. Brown </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:8%; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Susan P. Ehrlich </FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:8%; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Thomas A. Gerke </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:8%; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Robert J. Turtledove </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:8%; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Scott W. Andreasen </FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:8%; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Colby R. Brown </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:8%; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Vincent C. Clark </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:8%; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Scott D. Austin </FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px; margin-left:8%; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">Philip L. Mazzini </FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px; margin-left:8%; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">Jason Houseworth </FONT></P>
 <p STYLE="margin-top:0px;margin-bottom:0px"><FONT SIZE="1">&nbsp;</FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2">16 </FONT></P>


</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-31.1
<SEQUENCE>5
<FILENAME>d308610dex311.htm
<DESCRIPTION>CERTIFICATION BY CHIEF EXECUTIVE OFFICER PURSUANT TO SECTION 302
<TEXT>
<HTML><HEAD>
<TITLE>Certification by Chief Executive Officer pursuant to Section 302</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Exhibit 31.1 </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>CERTIFICATION PURSUANT TO </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>SECTION 302 OF THE SARBANES-OXLEY ACT OF 2002
</B></FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">I, William C. Cobb, Chief Executive Officer, certify that: </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">1. I have reviewed this quarterly report on Form 10-Q of H&amp;R Block, Inc.; </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">2. Based on my
knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect
to the period covered by this report; </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">3. Based on my knowledge, the financial statements, and other financial information included in this
report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report; </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">4. The registrant&#146;s other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and
internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have: </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">(a)
Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is
made known to us by others within those entities, particularly during the period in which this report is being prepared; </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">(b) Designed such
internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of
financial statements for external purposes in accordance with generally accepted accounting principles; </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">(c) Evaluated the effectiveness of
the registrant&#146;s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and
</FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">(d) Disclosed in this report any change in the registrant&#146;s internal control over financial reporting that occurred during the
registrant&#146;s most recent fiscal quarter (the registrant&#146;s fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant&#146;s internal control over
financial reporting; and </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">5. The registrant&#146;s other certifying officer and I have disclosed, based on our most recent evaluation of
internal control over financial reporting, to the registrant&#146;s auditors and the audit committee of the registrant&#146;s board of directors (or persons performing the equivalent functions): </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">(a) All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably
likely to adversely affect the registrant&#146;s ability to record, process, summarize and report financial information; and </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">(b) Any fraud,
whether or not material, that involves management or other employees who have a significant role in the registrant&#146;s internal control over financial reporting. </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR>
<TD WIDTH="47%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="4%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="46%"></TD></TR>


<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">Date: March&nbsp;7, 2012</FONT></P></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0px;margin-bottom:1px;border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">/s/ William C. Cobb</FONT></P></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">William C. Cobb</FONT></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">President and Chief Executive Officer</FONT></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">H&amp;R Block, Inc.</FONT></TD></TR>
</TABLE>
</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-31.2
<SEQUENCE>6
<FILENAME>d308610dex312.htm
<DESCRIPTION>CERTIFICATION BY CHIEF FINANCIAL OFFICER PURSUANT TO SECTION 302
<TEXT>
<HTML><HEAD>
<TITLE>Certification by Chief Financial Officer pursuant to Section 302</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Exhibit 31.2 </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>CERTIFICATION PURSUANT TO </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>SECTION 302 OF THE SARBANES-OXLEY ACT OF 2002
</B></FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">I, Jeffrey T. Brown, Chief Financial Officer, certify that: </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">1. I have reviewed this quarterly report on Form 10-Q of H&amp;R Block, Inc.; </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">2. Based on my
knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made, in light of the circumstances under which such statements were made, not misleading with respect
to the period covered by this report; </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">3. Based on my knowledge, the financial statements, and other financial information included in this
report, fairly present in all material respects the financial condition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report; </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT
STYLE="font-family:Times New Roman" SIZE="2">4. The registrant&#146;s other certifying officer and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange Act Rules 13a-15(e) and 15d-15(e)) and
internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have: </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">(a)
Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure that material information relating to the registrant, including its consolidated subsidiaries, is
made known to us by others within those entities, particularly during the period in which this report is being prepared; </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">(b) Designed such
internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, to provide reasonable assurance regarding the reliability of financial reporting and the preparation of
financial statements for external purposes in accordance with generally accepted accounting principles; </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">(c) Evaluated the effectiveness of
the registrant&#146;s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of the disclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and
</FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">(d) Disclosed in this report any change in the registrant&#146;s internal control over financial reporting that occurred during the
registrant&#146;s most recent fiscal quarter (the registrant&#146;s fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant&#146;s internal control over
financial reporting; and </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">5. The registrant&#146;s other certifying officer and I have disclosed, based on our most recent evaluation of
internal control over financial reporting, to the registrant&#146;s auditors and the audit committee of the registrant&#146;s board of directors (or persons performing the equivalent functions): </FONT></P>
<P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">(a) All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably
likely to adversely affect the registrant&#146;s ability to record, process, summarize and report financial information; and </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px"><FONT STYLE="font-family:Times New Roman" SIZE="2">(b) Any fraud,
whether or not material, that involves management or other employees who have a significant role in the registrant&#146;s internal control over financial reporting. </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR>
<TD WIDTH="47%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="4%"></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="46%"></TD></TR>


<TR>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Date: March&nbsp;7, 2012</FONT></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"> <P STYLE="margin-top:0px;margin-bottom:1px;border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">/s/ Jeffrey T. Brown</FONT></P></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">Jeffrey T. Brown</FONT></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">Senior Vice President and Chief Financial Officer</FONT></TD></TR>
<TR>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="top"></TD>
<TD VALIGN="bottom"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Times New Roman" SIZE="2">H&amp;R Block, Inc.</FONT></TD></TR>
</TABLE>
</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-32.1
<SEQUENCE>7
<FILENAME>d308610dex321.htm
<DESCRIPTION>CERTIFICATION BY CHIEF EXECUTIVE OFFICER FURNISHED PURSUANT TO SECTION 906
<TEXT>
<HTML><HEAD>
<TITLE>Certification by Chief Executive Officer furnished pursuant to Section 906</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Exhibit 32.1 </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>CERTIFICATION PURSUANT TO </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>18 U.S.C. SECTION 1350, </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>AS ADOPTED PURSUANT TO </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002 </B></FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">In connection with the
quarterly report of H&amp;R Block, Inc. (the &#147;Company&#148;) on Form 10-Q for the fiscal quarter ending January&nbsp;31, 2012 as filed with the Securities and Exchange Commission on the date hereof (the &#147;Report&#148;), I, William C. Cobb,
Chief Executive Officer of the Company, certify pursuant to 18 U.S.C. &#167; 1350, as adopted pursuant to &#167; 906 of the Sarbanes-Oxley Act of 2002, that: </FONT></P> <P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">(1)</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">The Report fully complies with the requirements of Section&nbsp;13(a) or 15(d) of the Securities Exchange Act of 1934; and </FONT></TD></TR></TABLE>
<P STYLE="font-size:6px;margin-top:0px;margin-bottom:0px">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR>
<TD WIDTH="4%"><FONT SIZE="1">&nbsp;</FONT></TD>
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><FONT STYLE="font-family:Times New Roman" SIZE="2">(2)</FONT></TD>
<TD ALIGN="left" VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">The information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company.
</FONT></TD></TR></TABLE> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR>
<TD WIDTH="100%"></TD></TR>


<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:1px;border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">/s/ William C. Cobb</FONT></P></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">William C. Cobb</FONT></P></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">President and Chief Executive Officer</FONT></P></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">H&amp;R Block, Inc.</FONT></P></TD></TR>
<TR>
<TD VALIGN="top"> <P STYLE="margin-left:1.00em; text-indent:-1.00em"><FONT STYLE="font-family:Times New Roman" SIZE="2">March 7, 2012</FONT></P></TD></TR>
</TABLE></DIV>
</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-32.2
<SEQUENCE>8
<FILENAME>d308610dex322.htm
<DESCRIPTION>CERTIFICATION BY CHIEF FINANCIAL OFFICER FURNISHED PURSUANT TO SECTION 906
<TEXT>
<HTML><HEAD>
<TITLE>Certification by Chief Financial Officer furnished pursuant to Section 906</TITLE>
</HEAD>
 <BODY BGCOLOR="WHITE">

 <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="right"><FONT STYLE="font-family:Times New Roman" SIZE="2">Exhibit 32.2 </FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>CERTIFICATION PURSUANT TO </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>18 U.S.C. SECTION 1350, </B></FONT></P>
<P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT STYLE="font-family:Times New Roman" SIZE="2"><B>AS ADOPTED PURSUANT TO </B></FONT></P> <P STYLE="margin-top:0px;margin-bottom:0px" ALIGN="center"><FONT
STYLE="font-family:Times New Roman" SIZE="2"><B>SECTION 906 OF THE SARBANES-OXLEY ACT OF 2002 </B></FONT></P> <P STYLE="margin-top:12px;margin-bottom:0px; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">In connection with the
quarterly report of H&amp;R Block, Inc. (the &#147;Company&#148;) on Form 10-Q for the fiscal quarter ending January&nbsp;31, 2012 as filed with the Securities and Exchange Commission on the date hereof (the &#147;Report&#148;), I, Jeffrey T. Brown,
Chief Financial Officer of the Company, certify pursuant to 18 U.S.C. &#167; 1350, as adopted pursuant to &#167; 906 of the Sarbanes-Oxley Act of 2002, that: </FONT></P> <P STYLE="margin-top:6px;margin-bottom:0px; margin-left:4%; text-indent:4%"><FONT
STYLE="font-family:Times New Roman" SIZE="2">(1) The Report fully complies with the requirements of Section&nbsp;13(a) or 15(d) of the Securities Exchange Act of 1934; and </FONT></P>
<P STYLE="margin-top:6px;margin-bottom:0px; margin-left:4%; text-indent:4%"><FONT STYLE="font-family:Times New Roman" SIZE="2">(2) The information contained in the Report fairly presents, in all material respects, the financial condition and results
of operations of the Company. </FONT></P> <P STYLE="font-size:12px;margin-top:0px;margin-bottom:0px">&nbsp;</P><DIV ALIGN="right">
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="40%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE">


<TR>
<TD WIDTH="100%"></TD></TR>


<TR>
<TD VALIGN="top"> <P STYLE="margin-top:0px;margin-bottom:1px;border-bottom:1px solid #000000"><FONT STYLE="font-family:Times New Roman" SIZE="2">/s/ Jeffrey T. Brown</FONT></P></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Jeffrey T. Brown</FONT></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Senior Vice President and</FONT></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">Chief Financial Officer</FONT></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">H&amp;R Block, Inc.</FONT></TD></TR>
<TR>
<TD VALIGN="top"><FONT STYLE="font-family:Times New Roman" SIZE="2">March&nbsp;7, 2012</FONT></TD></TR>
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  <!--Unit Section-->
  <unit id="Unit15">
    <divide>
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        <measure>iso4217:USD</measure>
      </unitNumerator>
      <unitDenominator>
        <measure>xbrli:shares</measure>
      </unitDenominator>
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    <measure>xbrli:shares</measure>
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  <!--Element Section-->
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  <dei:EntityFilerCategory contextRef="Duration_5_1_2011_To_1_31_2012">Large Accelerated Filer</dei:EntityFilerCategory>
  <dei:EntityRegistrantName contextRef="Duration_5_1_2011_To_1_31_2012">H&amp;R BLOCK INC</dei:EntityRegistrantName>
  <hrb:AdjustableRateLoansToTotalLoans contextRef="As_Of_4_30_2011" unitRef="Unit12" decimals="2">0.58</hrb:AdjustableRateLoansToTotalLoans>
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  <hrb:AgreementToSellAssetsOfDiscontinuedOperation contextRef="Duration_11_1_2011_To_1_31_2012_dei_LegalEntityAxis_hrb_RsmMcgladreyIncMember" unitRef="Unit13" decimals="-5">1000000</hrb:AgreementToSellAssetsOfDiscontinuedOperation>
  <hrb:AllocatedImpairedLoansBasedOnCollateralValueMethod contextRef="As_Of_4_30_2011" unitRef="Unit13" decimals="-3">69794000</hrb:AllocatedImpairedLoansBasedOnCollateralValueMethod>
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  <hrb:AllocatedImpairedLoansBasedOnDiscountCashFlowMethod contextRef="As_Of_1_31_2012" unitRef="Unit13" decimals="-3">9011000</hrb:AllocatedImpairedLoansBasedOnDiscountCashFlowMethod>
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  <hrb:AllowanceAsPercentOfPrincipal contextRef="Duration_5_1_2011_To_1_31_2012_us-gaap_AccountsNotesLoansAndFinancingReceivablesByLegalEntityOfCounterpartyTypeAxis_hrb_PurchasedFromSccMember" unitRef="Unit12" decimals="3">0.239</hrb:AllowanceAsPercentOfPrincipal>
  <hrb:AllowanceForLoansLossesAllocatedToImpairedLoansTotal contextRef="As_Of_4_30_2011" unitRef="Unit13" decimals="-3">80849000</hrb:AllowanceForLoansLossesAllocatedToImpairedLoansTotal>
  <hrb:AllowanceForLoansLossesAllocatedToImpairedLoansTotal contextRef="As_Of_1_31_2012" unitRef="Unit13" decimals="-3">80482000</hrb:AllowanceForLoansLossesAllocatedToImpairedLoansTotal>
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  <hrb:AmountOfClaimsUnderReviewRepresentingRequestsForAdditionalInformationRelatedToDeniedClaims contextRef="Duration_5_1_2011_To_1_31_2012" unitRef="Unit13" decimals="-6">79000000</hrb:AmountOfClaimsUnderReviewRepresentingRequestsForAdditionalInformationRelatedToDeniedClaims>
  <hrb:AmountOfLoansOriginatedDuring2005Through2007 contextRef="As_Of_1_31_2012" unitRef="Unit13" decimals="-9">84000000000</hrb:AmountOfLoansOriginatedDuring2005Through2007>
  <hrb:AverageNumberOfOutstandingSharesBasicAndDiluted contextRef="Duration_5_1_2010_To_1_31_2011" unitRef="Unit1" decimals="-3">310546000</hrb:AverageNumberOfOutstandingSharesBasicAndDiluted>
  <hrb:AverageNumberOfOutstandingSharesBasicAndDiluted contextRef="Duration_11_1_2010_To_1_31_2011" unitRef="Unit1" decimals="-3">305144000</hrb:AverageNumberOfOutstandingSharesBasicAndDiluted>
  <hrb:AverageNumberOfOutstandingSharesBasicAndDiluted contextRef="Duration_5_1_2011_To_1_31_2012" unitRef="Unit1" decimals="-3">299450000</hrb:AverageNumberOfOutstandingSharesBasicAndDiluted>
  <hrb:AverageNumberOfOutstandingSharesBasicAndDiluted contextRef="Duration_11_1_2011_To_1_31_2012" unitRef="Unit1" decimals="-3">292963000</hrb:AverageNumberOfOutstandingSharesBasicAndDiluted>
  <hrb:CapitalContributionForCapitalAdequacy contextRef="Duration_5_1_2011_To_1_31_2012" unitRef="Unit13" decimals="-5">200000000</hrb:CapitalContributionForCapitalAdequacy>
  <hrb:CapitalContributionForCapitalAdequacy contextRef="Duration_2_1_2012_To_2_29_2012" unitRef="Unit13" decimals="-5">200000000</hrb:CapitalContributionForCapitalAdequacy>
  <hrb:ClaimsReceivedByLoanOriginationYearTextBlock contextRef="Duration_5_1_2011_To_1_31_2012">&lt;div&gt; &lt;table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"&gt;
&lt;tr&gt;&lt;td style="width: 29%;"&gt; &lt;/td&gt;
&lt;td style="width: 36pt;"&gt; &lt;/td&gt;
&lt;td style="width: 26pt;"&gt; &lt;/td&gt;
&lt;td style="width: 22pt;"&gt; &lt;/td&gt;
&lt;td style="width: 26pt;"&gt; &lt;/td&gt;
&lt;td style="width: 26pt;"&gt; &lt;/td&gt;
&lt;td style="width: 26pt;"&gt; &lt;/td&gt;
&lt;td style="width: 22pt;"&gt; &lt;/td&gt;
&lt;td style="width: 26pt;"&gt; &lt;/td&gt;
&lt;td style="width: 22pt;"&gt; &lt;/td&gt;
&lt;td style="width: 26pt;"&gt; &lt;/td&gt;
&lt;td style="width: 26pt;"&gt; &lt;/td&gt;
&lt;td style="width: 22pt;"&gt; &lt;/td&gt;
&lt;td style="width: 49pt;"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;(in&amp;nbsp;millions)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Fiscal&amp;nbsp;Year&lt;/font&gt;&lt;/td&gt;
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&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="4" align="center"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Fiscal&amp;nbsp;Year&amp;nbsp;2011&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="3" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Fiscal&amp;nbsp;Year&amp;nbsp;2012&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;2009&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Q1&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Q2&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Q3&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Q4&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Q1&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Q2&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Q3&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Q4&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Q1&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Q2&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Q3&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Loan Origination Year:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;2005 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;$ 62 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;$ &amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;$ 15 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;$ &amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;$ &amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;$ 6 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;$ 1 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;$ &amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;$ 1 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;$ &amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;$ &amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;$ 4 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;$ 89 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;2006 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;217 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;2 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;57 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;4 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;45 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;100 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;15 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;29 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;50 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;29 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;130 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;29 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;707 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;2007 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;153 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;4 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;11 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;7 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;3 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;5 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;4 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;4 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;2 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;353 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;2 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;548 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Total &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;$ 432 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;$ 6 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;$ 83 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;$ 11 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;$ 45 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;$ 109 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;$ 21 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;$ 33 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;$ 55 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;$ 31 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;$ 483 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;$ 35 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;$ 1,344 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt; &lt;/div&gt;</hrb:ClaimsReceivedByLoanOriginationYearTextBlock>
  <hrb:ClaimsReceivedForLoans contextRef="Duration_5_1_2008_To_4_30_2009" unitRef="Unit13" decimals="-6">432000000</hrb:ClaimsReceivedForLoans>
  <hrb:ClaimsReceivedForLoans contextRef="Duration_5_1_2008_To_4_30_2009_hrb_OriginationYearAxis_hrb_TwoThousandFiveMember" unitRef="Unit13" decimals="-6">62000000</hrb:ClaimsReceivedForLoans>
  <hrb:ClaimsReceivedForLoans contextRef="Duration_5_1_2008_To_4_30_2009_hrb_OriginationYearAxis_hrb_TwoThousandSevenMember" unitRef="Unit13" decimals="-6">153000000</hrb:ClaimsReceivedForLoans>
  <hrb:ClaimsReceivedForLoans contextRef="Duration_5_1_2008_To_4_30_2009_hrb_OriginationYearAxis_hrb_TwoThousandSixMember" unitRef="Unit13" decimals="-6">217000000</hrb:ClaimsReceivedForLoans>
  <hrb:ClaimsReceivedForLoans contextRef="Duration_5_1_2009_To_7_31_2009" unitRef="Unit13" decimals="-6">6000000</hrb:ClaimsReceivedForLoans>
  <hrb:ClaimsReceivedForLoans contextRef="Duration_5_1_2009_To_7_31_2009_hrb_OriginationYearAxis_hrb_TwoThousandSevenMember" unitRef="Unit13" decimals="-6">4000000</hrb:ClaimsReceivedForLoans>
  <hrb:ClaimsReceivedForLoans contextRef="Duration_5_1_2009_To_7_31_2009_hrb_OriginationYearAxis_hrb_TwoThousandSixMember" unitRef="Unit13" decimals="-6">2000000</hrb:ClaimsReceivedForLoans>
  <hrb:ClaimsReceivedForLoans contextRef="Duration_8_1_2009_To_10_31_2009" unitRef="Unit13" decimals="-6">83000000</hrb:ClaimsReceivedForLoans>
  <hrb:ClaimsReceivedForLoans contextRef="Duration_8_1_2009_To_10_31_2009_hrb_OriginationYearAxis_hrb_TwoThousandFiveMember" unitRef="Unit13" decimals="-6">15000000</hrb:ClaimsReceivedForLoans>
  <hrb:ClaimsReceivedForLoans contextRef="Duration_8_1_2009_To_10_31_2009_hrb_OriginationYearAxis_hrb_TwoThousandSevenMember" unitRef="Unit13" decimals="-6">11000000</hrb:ClaimsReceivedForLoans>
  <hrb:ClaimsReceivedForLoans contextRef="Duration_8_1_2009_To_10_31_2009_hrb_OriginationYearAxis_hrb_TwoThousandSixMember" unitRef="Unit13" decimals="-6">57000000</hrb:ClaimsReceivedForLoans>
  <hrb:ClaimsReceivedForLoans contextRef="Duration_11_1_2009_To_1_31_2010" unitRef="Unit13" decimals="-6">11000000</hrb:ClaimsReceivedForLoans>
  <hrb:ClaimsReceivedForLoans contextRef="Duration_11_1_2009_To_1_31_2010_hrb_OriginationYearAxis_hrb_TwoThousandSevenMember" unitRef="Unit13" decimals="-6">7000000</hrb:ClaimsReceivedForLoans>
  <hrb:ClaimsReceivedForLoans contextRef="Duration_11_1_2009_To_1_31_2010_hrb_OriginationYearAxis_hrb_TwoThousandSixMember" unitRef="Unit13" decimals="-6">4000000</hrb:ClaimsReceivedForLoans>
  <hrb:ClaimsReceivedForLoans contextRef="Duration_2_1_2010_To_4_30_2010" unitRef="Unit13" decimals="-6">45000000</hrb:ClaimsReceivedForLoans>
  <hrb:ClaimsReceivedForLoans contextRef="Duration_2_1_2010_To_4_30_2010_hrb_OriginationYearAxis_hrb_TwoThousandSixMember" unitRef="Unit13" decimals="-6">45000000</hrb:ClaimsReceivedForLoans>
  <hrb:ClaimsReceivedForLoans contextRef="Duration_5_1_2010_To_7_31_2010" unitRef="Unit13" decimals="-6">109000000</hrb:ClaimsReceivedForLoans>
  <hrb:ClaimsReceivedForLoans contextRef="Duration_5_1_2010_To_7_31_2010_hrb_OriginationYearAxis_hrb_TwoThousandFiveMember" unitRef="Unit13" decimals="-6">6000000</hrb:ClaimsReceivedForLoans>
  <hrb:ClaimsReceivedForLoans contextRef="Duration_5_1_2010_To_7_31_2010_hrb_OriginationYearAxis_hrb_TwoThousandSevenMember" unitRef="Unit13" decimals="-6">3000000</hrb:ClaimsReceivedForLoans>
  <hrb:ClaimsReceivedForLoans contextRef="Duration_5_1_2010_To_7_31_2010_hrb_OriginationYearAxis_hrb_TwoThousandSixMember" unitRef="Unit13" decimals="-6">100000000</hrb:ClaimsReceivedForLoans>
  <hrb:ClaimsReceivedForLoans contextRef="Duration_8_1_2010_To_10_31_2010" unitRef="Unit13" decimals="-6">21000000</hrb:ClaimsReceivedForLoans>
  <hrb:ClaimsReceivedForLoans contextRef="Duration_8_1_2010_To_10_31_2010_hrb_OriginationYearAxis_hrb_TwoThousandFiveMember" unitRef="Unit13" decimals="-6">1000000</hrb:ClaimsReceivedForLoans>
  <hrb:ClaimsReceivedForLoans contextRef="Duration_8_1_2010_To_10_31_2010_hrb_OriginationYearAxis_hrb_TwoThousandSevenMember" unitRef="Unit13" decimals="-6">5000000</hrb:ClaimsReceivedForLoans>
  <hrb:ClaimsReceivedForLoans contextRef="Duration_8_1_2010_To_10_31_2010_hrb_OriginationYearAxis_hrb_TwoThousandSixMember" unitRef="Unit13" decimals="-6">15000000</hrb:ClaimsReceivedForLoans>
  <hrb:ClaimsReceivedForLoans contextRef="Duration_11_1_2010_To_1_31_2011" unitRef="Unit13" decimals="-6">33000000</hrb:ClaimsReceivedForLoans>
  <hrb:ClaimsReceivedForLoans contextRef="Duration_11_1_2010_To_1_31_2011_hrb_OriginationYearAxis_hrb_TwoThousandSevenMember" unitRef="Unit13" decimals="-6">4000000</hrb:ClaimsReceivedForLoans>
  <hrb:ClaimsReceivedForLoans contextRef="Duration_11_1_2010_To_1_31_2011_hrb_OriginationYearAxis_hrb_TwoThousandSixMember" unitRef="Unit13" decimals="-6">29000000</hrb:ClaimsReceivedForLoans>
  <hrb:ClaimsReceivedForLoans contextRef="Duration_2_1_2011_To_4_30_2011" unitRef="Unit13" decimals="-6">55000000</hrb:ClaimsReceivedForLoans>
  <hrb:ClaimsReceivedForLoans contextRef="Duration_2_1_2011_To_4_30_2011_hrb_OriginationYearAxis_hrb_TwoThousandFiveMember" unitRef="Unit13" decimals="-6">1000000</hrb:ClaimsReceivedForLoans>
  <hrb:ClaimsReceivedForLoans contextRef="Duration_2_1_2011_To_4_30_2011_hrb_OriginationYearAxis_hrb_TwoThousandSevenMember" unitRef="Unit13" decimals="-6">4000000</hrb:ClaimsReceivedForLoans>
  <hrb:ClaimsReceivedForLoans contextRef="Duration_2_1_2011_To_4_30_2011_hrb_OriginationYearAxis_hrb_TwoThousandSixMember" unitRef="Unit13" decimals="-6">50000000</hrb:ClaimsReceivedForLoans>
  <hrb:ClaimsReceivedForLoans contextRef="Duration_5_1_2011_To_7_31_2011" unitRef="Unit13" decimals="-6">31000000</hrb:ClaimsReceivedForLoans>
  <hrb:ClaimsReceivedForLoans contextRef="Duration_5_1_2011_To_7_31_2011_hrb_OriginationYearAxis_hrb_TwoThousandSevenMember" unitRef="Unit13" decimals="-6">2000000</hrb:ClaimsReceivedForLoans>
  <hrb:ClaimsReceivedForLoans contextRef="Duration_5_1_2011_To_7_31_2011_hrb_OriginationYearAxis_hrb_TwoThousandSixMember" unitRef="Unit13" decimals="-6">29000000</hrb:ClaimsReceivedForLoans>
  <hrb:ClaimsReceivedForLoans contextRef="Duration_8_1_2011_To_10_31_2011" unitRef="Unit13" decimals="-6">483000000</hrb:ClaimsReceivedForLoans>
  <hrb:ClaimsReceivedForLoans contextRef="Duration_8_1_2011_To_10_31_2011_hrb_OriginationYearAxis_hrb_TwoThousandSevenMember" unitRef="Unit13" decimals="-6">353000000</hrb:ClaimsReceivedForLoans>
  <hrb:ClaimsReceivedForLoans contextRef="Duration_8_1_2011_To_10_31_2011_hrb_OriginationYearAxis_hrb_TwoThousandSixMember" unitRef="Unit13" decimals="-6">130000000</hrb:ClaimsReceivedForLoans>
  <hrb:ClaimsReceivedForLoans contextRef="Duration_11_1_2011_To_1_31_2012" unitRef="Unit13" decimals="-6">35000000</hrb:ClaimsReceivedForLoans>
  <hrb:ClaimsReceivedForLoans contextRef="Duration_11_1_2011_To_1_31_2012_us-gaap_SecuritizationFinancialAssetForWhichTransferIsAccountedAsSaleAxis_hrb_MonolineInsurersMember" unitRef="Unit13" decimals="-6">6000000</hrb:ClaimsReceivedForLoans>
  <hrb:ClaimsReceivedForLoans contextRef="Duration_11_1_2011_To_1_31_2012_us-gaap_SecuritizationFinancialAssetForWhichTransferIsAccountedAsSaleAxis_hrb_PrivateLabelSecuritizationTransactionsMember" unitRef="Unit13" decimals="-6">29000000</hrb:ClaimsReceivedForLoans>
  <hrb:ClaimsReceivedForLoans contextRef="Duration_11_1_2011_To_1_31_2012_hrb_OriginationYearAxis_hrb_TwoThousandFiveMember" unitRef="Unit13" decimals="-6">4000000</hrb:ClaimsReceivedForLoans>
  <hrb:ClaimsReceivedForLoans contextRef="Duration_11_1_2011_To_1_31_2012_hrb_OriginationYearAxis_hrb_TwoThousandSevenMember" unitRef="Unit13" decimals="-6">2000000</hrb:ClaimsReceivedForLoans>
  <hrb:ClaimsReceivedForLoans contextRef="Duration_11_1_2011_To_1_31_2012_hrb_OriginationYearAxis_hrb_TwoThousandSixMember" unitRef="Unit13" decimals="-6">29000000</hrb:ClaimsReceivedForLoans>
  <hrb:ClaimsReceivedForLoans contextRef="Duration_2_1_2012_To_4_30_2012" unitRef="Unit13" decimals="-6">1344000000</hrb:ClaimsReceivedForLoans>
  <hrb:ClaimsReceivedForLoans contextRef="Duration_2_1_2012_To_4_30_2012_hrb_OriginationYearAxis_hrb_TwoThousandFiveMember" unitRef="Unit13" decimals="-6">89000000</hrb:ClaimsReceivedForLoans>
  <hrb:ClaimsReceivedForLoans contextRef="Duration_2_1_2012_To_4_30_2012_hrb_OriginationYearAxis_hrb_TwoThousandSevenMember" unitRef="Unit13" decimals="-6">548000000</hrb:ClaimsReceivedForLoans>
  <hrb:ClaimsReceivedForLoans contextRef="Duration_2_1_2012_To_4_30_2012_hrb_OriginationYearAxis_hrb_TwoThousandSixMember" unitRef="Unit13" decimals="-6">707000000</hrb:ClaimsReceivedForLoans>
  <hrb:ClaimsSubjectToReviewAmount contextRef="As_Of_1_31_2012" unitRef="Unit13" decimals="-6">399000000</hrb:ClaimsSubjectToReviewAmount>
  <hrb:DepositsEstimatedFairValue contextRef="As_Of_1_31_2012" unitRef="Unit13" decimals="-3">1585985000</hrb:DepositsEstimatedFairValue>
  <hrb:DisposalGroupIncludingDiscontinuedOperationEstimatedAggregateFairValue contextRef="Duration_5_1_2011_To_1_31_2012_dei_LegalEntityAxis_hrb_RsmEquicoIncMember" unitRef="Unit13" decimals="-5">6000000</hrb:DisposalGroupIncludingDiscontinuedOperationEstimatedAggregateFairValue>
  <hrb:DisposalGroupIncludingDiscontinuedOperationNoteReceivable contextRef="As_Of_1_31_2012_dei_LegalEntityAxis_hrb_RsmMcgladreyIncMember" unitRef="Unit13" decimals="-5">54000000</hrb:DisposalGroupIncludingDiscontinuedOperationNoteReceivable>
  <hrb:DisposalGroupIncludingDiscontinuedOperationShortTermReceivable contextRef="As_Of_1_31_2012_dei_LegalEntityAxis_hrb_RsmMcgladreyIncMember" unitRef="Unit13" decimals="-5">32300000</hrb:DisposalGroupIncludingDiscontinuedOperationShortTermReceivable>
  <hrb:EarningsAllocatedToParticipatingSecurities contextRef="Duration_5_1_2010_To_1_31_2011" unitRef="Unit13" decimals="-3">-142000</hrb:EarningsAllocatedToParticipatingSecurities>
  <hrb:EarningsAllocatedToParticipatingSecurities contextRef="Duration_11_1_2010_To_1_31_2011" unitRef="Unit13" decimals="-3">-148000</hrb:EarningsAllocatedToParticipatingSecurities>
  <hrb:EarningsAllocatedToParticipatingSecurities contextRef="Duration_5_1_2011_To_1_31_2012" unitRef="Unit13" decimals="-3">-152000</hrb:EarningsAllocatedToParticipatingSecurities>
  <hrb:EarningsAllocatedToParticipatingSecurities contextRef="Duration_11_1_2011_To_1_31_2012" unitRef="Unit13" decimals="-3">24000</hrb:EarningsAllocatedToParticipatingSecurities>
  <hrb:EmployeeServiceShareBasedCompensationUnrecognizedCompensationCostOnStockOptions contextRef="Duration_5_1_2011_To_1_31_2012" unitRef="Unit13" decimals="-5">7500000</hrb:EmployeeServiceShareBasedCompensationUnrecognizedCompensationCostOnStockOptions>
  <hrb:EstimatedLossOnValidWarrantyClaimsReviewedDuringPeriod contextRef="Duration_11_1_2011_To_1_31_2012" unitRef="Unit13" decimals="-5">1200000</hrb:EstimatedLossOnValidWarrantyClaimsReviewedDuringPeriod>
  <hrb:FinancialInstrumentsAsPercentageOfTotalAssets contextRef="As_Of_1_31_2011_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_EstimateOfFairValueFairValueDisclosureMember" unitRef="Unit12" decimals="3">0.038</hrb:FinancialInstrumentsAsPercentageOfTotalAssets>
  <hrb:FinancialInstrumentsAsPercentageOfTotalAssets contextRef="As_Of_1_31_2011_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel2Member" unitRef="Unit12" decimals="3">0.005</hrb:FinancialInstrumentsAsPercentageOfTotalAssets>
  <hrb:FinancialInstrumentsAsPercentageOfTotalAssets contextRef="As_Of_1_31_2011_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel3Member" unitRef="Unit12" decimals="3">0.033</hrb:FinancialInstrumentsAsPercentageOfTotalAssets>
  <hrb:FinancialInstrumentsAsPercentageOfTotalAssets contextRef="As_Of_1_31_2012_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_EstimateOfFairValueFairValueDisclosureMember" unitRef="Unit12" decimals="3">0.090</hrb:FinancialInstrumentsAsPercentageOfTotalAssets>
  <hrb:FinancialInstrumentsAsPercentageOfTotalAssets xsi:nil="true" contextRef="As_Of_1_31_2012_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel1Member" unitRef="Unit12" />
  <hrb:FinancialInstrumentsAsPercentageOfTotalAssets contextRef="As_Of_1_31_2012_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel2Member" unitRef="Unit12" decimals="3">0.065</hrb:FinancialInstrumentsAsPercentageOfTotalAssets>
  <hrb:FinancialInstrumentsAsPercentageOfTotalAssets contextRef="As_Of_1_31_2012_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel3Member" unitRef="Unit12" decimals="3">0.025</hrb:FinancialInstrumentsAsPercentageOfTotalAssets>
  <hrb:FixedRateLoansToTotalLoans contextRef="As_Of_4_30_2011" unitRef="Unit12" decimals="2">0.42</hrb:FixedRateLoansToTotalLoans>
  <hrb:FixedRateLoansToTotalLoans contextRef="As_Of_1_31_2012" unitRef="Unit12" decimals="2">0.42</hrb:FixedRateLoansToTotalLoans>
  <hrb:GainOrLossOnFinancialInstruments contextRef="Duration_5_1_2010_To_1_31_2011" unitRef="Unit13" decimals="-3">-10590000</hrb:GainOrLossOnFinancialInstruments>
  <hrb:GainOrLossOnFinancialInstruments contextRef="Duration_5_1_2011_To_1_31_2012" unitRef="Unit13" decimals="-3">-4351000</hrb:GainOrLossOnFinancialInstruments>
  <hrb:GainOrLossOnImpairedMortgageLoansHeldForInvestment contextRef="Duration_5_1_2010_To_1_31_2011_us-gaap_FairValueByMeasurementFrequencyAxis_us-gaap_FairValueMeasurementsNonrecurringMember" unitRef="Unit13" decimals="-3">-7792000</hrb:GainOrLossOnImpairedMortgageLoansHeldForInvestment>
  <hrb:GainOrLossOnImpairedMortgageLoansHeldForInvestment contextRef="Duration_5_1_2011_To_1_31_2012_us-gaap_FairValueByMeasurementFrequencyAxis_us-gaap_FairValueMeasurementsNonrecurringMember" unitRef="Unit13" decimals="-3">-6986000</hrb:GainOrLossOnImpairedMortgageLoansHeldForInvestment>
  <hrb:GainOrLossOnRealEstateOwned contextRef="Duration_5_1_2010_To_1_31_2011_us-gaap_FairValueByMeasurementFrequencyAxis_us-gaap_FairValueMeasurementsNonrecurringMember" unitRef="Unit13" decimals="-3">-1512000</hrb:GainOrLossOnRealEstateOwned>
  <hrb:GainOrLossOnRealEstateOwned contextRef="Duration_5_1_2011_To_1_31_2012_us-gaap_FairValueByMeasurementFrequencyAxis_us-gaap_FairValueMeasurementsNonrecurringMember" unitRef="Unit13" decimals="-3">-772000</hrb:GainOrLossOnRealEstateOwned>
  <hrb:GoodwillDisposalsAndOther contextRef="Duration_5_1_2011_To_1_31_2012_us-gaap_ProductOrServiceAxis_hrb_TaxServicesMember" unitRef="Unit13" decimals="-3">5805000</hrb:GoodwillDisposalsAndOther>
  <hrb:HrbBankSRegulatoryCapitalRequirementsTextBlock contextRef="Duration_5_1_2011_To_1_31_2012">&lt;div&gt; &lt;div class="MetaData"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px; font-size: 12px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;div&gt;

&lt;table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"&gt;
&lt;tr&gt;&lt;td style="width: 48%;"&gt; &lt;/td&gt;
&lt;td style="width: 47pt;"&gt; &lt;/td&gt;
&lt;td style="width: 27pt;"&gt; &lt;/td&gt;
&lt;td style="width: 47pt;"&gt; &lt;/td&gt;
&lt;td style="width: 30pt;"&gt; &lt;/td&gt;
&lt;td style="width: 42pt;"&gt; &lt;/td&gt;
&lt;td style="width: 62pt;"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;(dollars&amp;nbsp;in&amp;nbsp;000s)&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;To Be Well Capitalized&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;For&amp;nbsp;Capital&amp;nbsp;Adequacy&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Under Prompt Corrective&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Actual&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Purposes&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Action Provisions&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Amount&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Ratio&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Amount&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Ratio&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Amount&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Ratio&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;As of December&amp;nbsp;31, 2011:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Total risk-based capital ratio &lt;/font&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;&lt;sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;"&gt;(1)&lt;/sup&gt;&lt;/font&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 411,163 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;48.8 %&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 67,407 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;8.0 %&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 84,258 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;10.0 %&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Tier 1 risk-based capital ratio &lt;/font&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;&lt;sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;"&gt;(2)&lt;/sup&gt;&lt;/font&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 400,438 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;47.5 %&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;N/A &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;N/A &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 50,555 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;6.0 %&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Tier 1 capital ratio (leverage) &lt;/font&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;&lt;sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;"&gt;(3)&lt;/sup&gt;&lt;/font&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 400,438 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;25.6 %&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 187,642 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;12.0 %&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 78,184 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;5.0 %&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Tangible equity ratio &lt;/font&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;&lt;sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;"&gt;(4)&lt;/sup&gt;&lt;/font&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 400,438 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;25.6 %&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 23,455 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1.5 %&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;N/A &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;N/A &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;As of March&amp;nbsp;31, 2011:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Total risk-based capital ratio &lt;/font&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;&lt;sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;"&gt;(1)&lt;/sup&gt;&lt;/font&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 405,000 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;92.5 %&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 35,019 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;8.0 %&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 43,773 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;10.0 %&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Tier 1 risk-based capital ratio &lt;/font&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;&lt;sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;"&gt;(2)&lt;/sup&gt;&lt;/font&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 399,187 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;91.2 %&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;N/A &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;N/A &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 26,264 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;6.0 %&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Tier 1 capital ratio (leverage) &lt;/font&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;&lt;sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;"&gt;(3) &lt;/sup&gt;&lt;/font&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 399,187 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;22.8 %&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 209,758 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;12.0 %&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 87,399 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;5.0 %&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Tangible equity ratio &lt;/font&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;&lt;sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;"&gt;(4)&lt;/sup&gt;&lt;/font&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 399,187 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;22.8 %&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 26,220 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1.5 %&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;N/A &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;N/A &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;

&lt;p style="padding-bottom: 0px; margin-top: 0px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt; &lt;/font&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;&lt;sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;"&gt; &lt;/sup&gt;&lt;/font&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="padding-bottom: 0px; margin-top: 0px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;&lt;sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;"&gt;(1)&lt;/sup&gt;&amp;nbsp;&lt;/font&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&lt;font class="_mt"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Total risk-based capital divided by risk-weighted assets.&lt;/font&gt;&lt;/font&gt; &lt;/font&gt;&lt;/p&gt;

&lt;p style="padding-bottom: 0px; margin-top: 0px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt; &lt;/font&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;&lt;sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;"&gt;(2)&lt;/sup&gt;&amp;nbsp;&lt;/font&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&lt;font class="_mt"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Tier 1 (core) capital less deduction for low-level recourse and residual interest divided by risk-weighted assets.&lt;/font&gt;&lt;/font&gt; &lt;/font&gt;&lt;/p&gt;

&lt;p style="padding-bottom: 0px; margin-top: 0px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt; &lt;/font&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;&lt;sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;"&gt;(3)&lt;/sup&gt; &lt;/font&gt;&lt;font class="_mt"&gt;&lt;font class="_mt"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Tier 1 (core) capital divided by adjusted total assets.&lt;/font&gt;&lt;/font&gt;&lt;/font&gt;&lt;/p&gt;

&lt;p style="padding-bottom: 0px; margin-top: 0px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;&lt;sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;"&gt;(4)&lt;/sup&gt; &lt;/font&gt;&lt;font class="_mt"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Tangible capital divided by tangible assets. &lt;/font&gt;&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;/div&gt; &lt;/div&gt;</hrb:HrbBankSRegulatoryCapitalRequirementsTextBlock>
  <hrb:ImpairedNonAccrualStatusTerm contextRef="Duration_5_1_2011_To_1_31_2012" unitRef="Unit14" decimals="0">60</hrb:ImpairedNonAccrualStatusTerm>
  <hrb:IncomeLossFromDiscontinuedOperationsTextBlock contextRef="Duration_5_1_2011_To_1_31_2012">&lt;div&gt; &lt;table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="92%" align="center"&gt;
&lt;tr&gt;&lt;td style="width: 50%;"&gt; &lt;/td&gt;
&lt;td style="width: 50pt;"&gt; &lt;/td&gt;
&lt;td style="width: 52pt;"&gt; &lt;/td&gt;
&lt;td style="width: 55pt;"&gt; &lt;/td&gt;
&lt;td style="width: 52pt;"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;&lt;b&gt; &lt;/b&gt;(in 000s)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Three&amp;nbsp;months&amp;nbsp;ended&amp;nbsp;January&amp;nbsp;31,&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Nine&amp;nbsp;months&amp;nbsp;ended&amp;nbsp;January&amp;nbsp;31,&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;2012&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;2011&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;2012&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;2011&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Revenues &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 50,508 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 171,071 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 416,436 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 549,180 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Pretax income (loss) from operations:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;RSM and related businesses &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 1,117 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 8,327 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 18,831 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 15,228 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Mortgage &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(27,385 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(10,551 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(54,019 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(17,125 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(26,268 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(2,224 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(35,188 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(1,897 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Income taxes (benefit) &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(6,462 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(537 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(10,268 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;268 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Net income (loss) from operations &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(19,806 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(1,687 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(24,920 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(2,165 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Pretax loss on sales of businesses &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(236 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(109,485 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Income tax benefit &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(20,260 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(59,969 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Net gain (loss) on sales of businesses &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;20,024 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(49,519 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Net income (loss) from discontinued operations &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 218 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (1,687 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (74,436 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (2,165 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt; &lt;/div&gt;</hrb:IncomeLossFromDiscontinuedOperationsTextBlock>
  <hrb:IncreaseInLossesDueToAssumedOnePercentIncreaseInValidityRatesAndLossSeverities contextRef="Duration_11_1_2011_To_1_31_2012" unitRef="Unit13" decimals="-6">35000000</hrb:IncreaseInLossesDueToAssumedOnePercentIncreaseInValidityRatesAndLossSeverities>
  <hrb:InitialPrincipalAmountOfLoansSecuritized contextRef="As_Of_1_31_2012_us-gaap_LossContingenciesByNatureOfContingencyAxis_us-gaap_PendingOrThreatenedLitigationMember" unitRef="Unit13" decimals="-6">50000000</hrb:InitialPrincipalAmountOfLoansSecuritized>
  <hrb:InSubstanceForeclosures contextRef="As_Of_4_30_2011" unitRef="Unit13" decimals="-5">7700000</hrb:InSubstanceForeclosures>
  <hrb:InSubstanceForeclosures contextRef="As_Of_1_31_2012" unitRef="Unit13" decimals="-5">5700000</hrb:InSubstanceForeclosures>
  <hrb:IntangibleAssetsNet contextRef="As_Of_4_30_2011" unitRef="Unit13" decimals="-3">709493000</hrb:IntangibleAssetsNet>
  <hrb:IntangibleAssetsNet contextRef="As_Of_4_30_2011_dei_LegalEntityAxis_us-gaap_SubsidiariesMember" unitRef="Unit13" decimals="-3">709493000</hrb:IntangibleAssetsNet>
  <hrb:IntangibleAssetsNet contextRef="As_Of_1_31_2012" unitRef="Unit13" decimals="-3">701743000</hrb:IntangibleAssetsNet>
  <hrb:IntangibleAssetsNet contextRef="As_Of_1_31_2012_dei_LegalEntityAxis_us-gaap_SubsidiariesMember" unitRef="Unit13" decimals="-3">701743000</hrb:IntangibleAssetsNet>
  <hrb:InterestPaidOnDeposits contextRef="Duration_5_1_2010_To_1_31_2011" unitRef="Unit13" decimals="-3">6191000</hrb:InterestPaidOnDeposits>
  <hrb:InterestPaidOnDeposits contextRef="Duration_5_1_2011_To_1_31_2012" unitRef="Unit13" decimals="-3">5170000</hrb:InterestPaidOnDeposits>
  <hrb:LoanLossReserveToMortgageLoans contextRef="As_Of_4_30_2011" unitRef="Unit12" decimals="3">0.161</hrb:LoanLossReserveToMortgageLoans>
  <hrb:LoanLossReserveToMortgageLoans contextRef="As_Of_1_31_2012" unitRef="Unit12" decimals="3">0.174</hrb:LoanLossReserveToMortgageLoans>
  <hrb:LoansAndReceivablesHeldForInvestmentTotal contextRef="Duration_5_1_2011_To_1_31_2012" unitRef="Unit13" decimals="-5">192400000</hrb:LoansAndReceivablesHeldForInvestmentTotal>
  <hrb:LoansReceivableRecordedInvestmentNonaccrualStatus contextRef="As_Of_4_30_2011" unitRef="Unit13" decimals="-3">157464000</hrb:LoansReceivableRecordedInvestmentNonaccrualStatus>
  <hrb:LoansReceivableRecordedInvestmentNonaccrualStatus contextRef="As_Of_4_30_2011_us-gaap_AccountsNotesLoansAndFinancingReceivablesByLegalEntityOfCounterpartyTypeAxis_hrb_AllOtherMember" unitRef="Unit13" decimals="-3">14106000</hrb:LoansReceivableRecordedInvestmentNonaccrualStatus>
  <hrb:LoansReceivableRecordedInvestmentNonaccrualStatus contextRef="As_Of_4_30_2011_us-gaap_AccountsNotesLoansAndFinancingReceivablesByLegalEntityOfCounterpartyTypeAxis_hrb_PurchasedFromSccMember" unitRef="Unit13" decimals="-3">143358000</hrb:LoansReceivableRecordedInvestmentNonaccrualStatus>
  <hrb:LoansReceivableRecordedInvestmentNonaccrualStatus contextRef="As_Of_1_31_2012" unitRef="Unit13" decimals="-3">166136000</hrb:LoansReceivableRecordedInvestmentNonaccrualStatus>
  <hrb:LoansReceivableRecordedInvestmentNonaccrualStatus contextRef="As_Of_1_31_2012_us-gaap_AccountsNotesLoansAndFinancingReceivablesByLegalEntityOfCounterpartyTypeAxis_hrb_AllOtherMember" unitRef="Unit13" decimals="-3">23283000</hrb:LoansReceivableRecordedInvestmentNonaccrualStatus>
  <hrb:LoansReceivableRecordedInvestmentNonaccrualStatus contextRef="As_Of_1_31_2012_us-gaap_AccountsNotesLoansAndFinancingReceivablesByLegalEntityOfCounterpartyTypeAxis_hrb_PurchasedFromSccMember" unitRef="Unit13" decimals="-3">142853000</hrb:LoansReceivableRecordedInvestmentNonaccrualStatus>
  <hrb:LoanToValueAtOriginationInOrderToHaveInternalRiskRatingOfMedium contextRef="Duration_5_1_2011_To_1_31_2012_us-gaap_ConcentrationRiskByTypeAxis_hrb_MaximumCreditScoreMember" unitRef="Unit12" decimals="2">0.80</hrb:LoanToValueAtOriginationInOrderToHaveInternalRiskRatingOfMedium>
  <hrb:LoanToValueAtOriginationInOrderToHaveInternalRiskRatingOfMedium contextRef="Duration_5_1_2011_To_1_31_2012_us-gaap_ConcentrationRiskByTypeAxis_hrb_MinimumCreditScoreMember" unitRef="Unit12" decimals="2">0.80</hrb:LoanToValueAtOriginationInOrderToHaveInternalRiskRatingOfMedium>
  <hrb:LossContingencyApproximateLossSeverityRates contextRef="As_Of_1_31_2012" unitRef="Unit12" decimals="2">0.01</hrb:LossContingencyApproximateLossSeverityRates>
  <hrb:LossesOnRepurchaseAndIndemnifications contextRef="Duration_5_1_2010_To_1_31_2011" unitRef="Unit13" decimals="-3">-7652000</hrb:LossesOnRepurchaseAndIndemnifications>
  <hrb:LossesOnRepurchaseAndIndemnifications contextRef="Duration_5_1_2011_To_1_31_2012" unitRef="Unit13" decimals="-3">-3337000</hrb:LossesOnRepurchaseAndIndemnifications>
  <hrb:LossSeverityRatesOnRepurchaseAndIndemnification contextRef="Duration_5_1_2011_To_1_31_2012" unitRef="Unit12" decimals="2">0.59</hrb:LossSeverityRatesOnRepurchaseAndIndemnification>
  <hrb:ManagementEstimatesDisclosureTextBlock contextRef="Duration_5_1_2011_To_1_31_2012">&lt;div&gt; &lt;div class="MetaData"&gt;

&lt;p style="margin-top: 18px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Management &lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Estimates &lt;/font&gt;&lt;/font&gt;&lt;/p&gt;

&lt;div&gt;

&lt;p style="margin-top: 6px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;The preparation of financial statements in conformity with generally accepted accounting principles requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting periods. Significant estimates, assumptions and judgments are applied in the determination of our allowance for loan losses, potential losses from loan repurchase and indemnity obligations associated with our discontinued mortgage business, contingent losses associated with pending claims and litigation, fair value of reporting units, valuation allowances based on future taxable income, reserves for uncertain tax positions, credit losses on receivable balances and related matters. Estimates have been prepared on the basis of the most current and best information available as of each balance sheet date. As such, actual results could differ materially from those estimates.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;/div&gt; &lt;/div&gt;</hrb:ManagementEstimatesDisclosureTextBlock>
  <hrb:MaximumCreditScoreToBeGivenInternalRiskRatingOfMedium contextRef="Duration_5_1_2011_To_1_31_2012_us-gaap_ConcentrationRiskByTypeAxis_hrb_MaximumCreditScoreMember" unitRef="Unit12" decimals="0">700</hrb:MaximumCreditScoreToBeGivenInternalRiskRatingOfMedium>
  <hrb:MinimumCreditScoreToBeGivenInternalRiskRatingOfLow contextRef="Duration_5_1_2011_To_1_31_2012_us-gaap_ConcentrationRiskByTypeAxis_hrb_MinimumCreditScoreMember" unitRef="Unit12" decimals="0">700</hrb:MinimumCreditScoreToBeGivenInternalRiskRatingOfLow>
  <hrb:MortgageLoansFairValueDisclosure contextRef="As_Of_1_31_2011_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_EstimateOfFairValueFairValueDisclosureMember_us-gaap_FairValueByMeasurementFrequencyAxis_us-gaap_FairValueMeasurementsNonrecurringMember" unitRef="Unit13" decimals="-3">174062000</hrb:MortgageLoansFairValueDisclosure>
  <hrb:MortgageLoansFairValueDisclosure xsi:nil="true" contextRef="As_Of_1_31_2011_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel1Member_us-gaap_FairValueByMeasurementFrequencyAxis_us-gaap_FairValueMeasurementsNonrecurringMember" unitRef="Unit13" />
  <hrb:MortgageLoansFairValueDisclosure contextRef="As_Of_1_31_2011_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel3Member_us-gaap_FairValueByMeasurementFrequencyAxis_us-gaap_FairValueMeasurementsNonrecurringMember" unitRef="Unit13" decimals="-3">174062000</hrb:MortgageLoansFairValueDisclosure>
  <hrb:MortgageLoansFairValueDisclosure contextRef="As_Of_1_31_2012_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_EstimateOfFairValueFairValueDisclosureMember_us-gaap_FairValueByMeasurementFrequencyAxis_us-gaap_FairValueMeasurementsNonrecurringMember" unitRef="Unit13" decimals="-3">103509000</hrb:MortgageLoansFairValueDisclosure>
  <hrb:MortgageLoansFairValueDisclosure xsi:nil="true" contextRef="As_Of_1_31_2012_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel1Member_us-gaap_FairValueByMeasurementFrequencyAxis_us-gaap_FairValueMeasurementsNonrecurringMember" unitRef="Unit13" />
  <hrb:MortgageLoansFairValueDisclosure xsi:nil="true" contextRef="As_Of_1_31_2012_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel2Member_us-gaap_FairValueByMeasurementFrequencyAxis_us-gaap_FairValueMeasurementsNonrecurringMember" unitRef="Unit13" />
  <hrb:MortgageLoansFairValueDisclosure contextRef="As_Of_1_31_2012_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel3Member_us-gaap_FairValueByMeasurementFrequencyAxis_us-gaap_FairValueMeasurementsNonrecurringMember" unitRef="Unit13" decimals="-3">103509000</hrb:MortgageLoansFairValueDisclosure>
  <hrb:MortgageLoansHeldForInvestmentAsCollateral contextRef="As_Of_1_31_2012" unitRef="Unit13" decimals="-5">372700000</hrb:MortgageLoansHeldForInvestmentAsCollateral>
  <hrb:MortgageLoansHeldForInvestmentFairValue contextRef="As_Of_1_31_2012" unitRef="Unit13" decimals="-3">260691000</hrb:MortgageLoansHeldForInvestmentFairValue>
  <hrb:NetBalanceOfAllMortgageLoansHeldForSale contextRef="As_Of_1_31_2012" unitRef="Unit13" decimals="-5">10600000</hrb:NetBalanceOfAllMortgageLoansHeldForSale>
  <hrb:NetIntercompanyAdvancesFinancingActivities contextRef="As_Of_1_31_2011_dei_LegalEntityAxis_hrb_BfcIssuerMember" unitRef="Unit13" decimals="-3">-315752000</hrb:NetIntercompanyAdvancesFinancingActivities>
  <hrb:NetIntercompanyAdvancesFinancingActivities contextRef="As_Of_1_31_2011_dei_LegalEntityAxis_us-gaap_BusinessIntersegmentEliminationsMember" unitRef="Unit13" decimals="-3">467873000</hrb:NetIntercompanyAdvancesFinancingActivities>
  <hrb:NetIntercompanyAdvancesFinancingActivities contextRef="As_Of_1_31_2011_dei_LegalEntityAxis_us-gaap_SubsidiariesMember" unitRef="Unit13" decimals="-3">-152121000</hrb:NetIntercompanyAdvancesFinancingActivities>
  <hrb:NetIntercompanyAdvancesFinancingActivities contextRef="As_Of_1_31_2012_dei_LegalEntityAxis_hrb_BfcIssuerMember" unitRef="Unit13" decimals="-3">61747000</hrb:NetIntercompanyAdvancesFinancingActivities>
  <hrb:NetIntercompanyAdvancesFinancingActivities contextRef="As_Of_1_31_2012_dei_LegalEntityAxis_us-gaap_BusinessIntersegmentEliminationsMember" unitRef="Unit13" decimals="-3">322729000</hrb:NetIntercompanyAdvancesFinancingActivities>
  <hrb:NetIntercompanyAdvancesFinancingActivities contextRef="As_Of_1_31_2012_dei_LegalEntityAxis_us-gaap_SubsidiariesMember" unitRef="Unit13" decimals="-3">-384476000</hrb:NetIntercompanyAdvancesFinancingActivities>
  <hrb:NetIntercompanyAdvancesInvestingActivities contextRef="As_Of_1_31_2011_dei_LegalEntityAxis_us-gaap_BusinessIntersegmentEliminationsMember" unitRef="Unit13" decimals="-3">-467873000</hrb:NetIntercompanyAdvancesInvestingActivities>
  <hrb:NetIntercompanyAdvancesInvestingActivities contextRef="As_Of_1_31_2011_dei_LegalEntityAxis_us-gaap_ParentCompanyMember" unitRef="Unit13" decimals="-3">467873000</hrb:NetIntercompanyAdvancesInvestingActivities>
  <hrb:NetIntercompanyAdvancesInvestingActivities contextRef="As_Of_1_31_2012_dei_LegalEntityAxis_us-gaap_BusinessIntersegmentEliminationsMember" unitRef="Unit13" decimals="-3">-322729000</hrb:NetIntercompanyAdvancesInvestingActivities>
  <hrb:NetIntercompanyAdvancesInvestingActivities contextRef="As_Of_1_31_2012_dei_LegalEntityAxis_us-gaap_ParentCompanyMember" unitRef="Unit13" decimals="-3">322729000</hrb:NetIntercompanyAdvancesInvestingActivities>
  <hrb:NetWorthInComplianceWithCovenants contextRef="As_Of_1_31_2012" unitRef="Unit13" decimals="-5">806400000</hrb:NetWorthInComplianceWithCovenants>
  <hrb:NumberOfDaysToRespondToRepresentationAndWarrantyClaims contextRef="Duration_5_1_2011_To_1_31_2012_us-gaap_RangeAxis_us-gaap_MaximumMember" unitRef="Unit12" decimals="0">120</hrb:NumberOfDaysToRespondToRepresentationAndWarrantyClaims>
  <hrb:NumberOfDaysToRespondToRepresentationAndWarrantyClaims contextRef="Duration_5_1_2011_To_1_31_2012_us-gaap_RangeAxis_us-gaap_MinimumMember" unitRef="Unit12" decimals="0">60</hrb:NumberOfDaysToRespondToRepresentationAndWarrantyClaims>
  <hrb:ObligationForUnfundedLetterOfCredit contextRef="As_Of_4_30_2011" unitRef="Unit13" decimals="-3">37695000</hrb:ObligationForUnfundedLetterOfCredit>
  <hrb:ObligationForUnfundedLetterOfCredit contextRef="As_Of_1_31_2012" unitRef="Unit13" decimals="-3">22209000</hrb:ObligationForUnfundedLetterOfCredit>
  <hrb:OccupancyAndEquipment contextRef="Duration_5_1_2010_To_1_31_2011" unitRef="Unit13" decimals="-3">261841000</hrb:OccupancyAndEquipment>
  <hrb:OccupancyAndEquipment contextRef="Duration_11_1_2010_To_1_31_2011" unitRef="Unit13" decimals="-3">90653000</hrb:OccupancyAndEquipment>
  <hrb:OccupancyAndEquipment contextRef="Duration_5_1_2011_To_1_31_2012" unitRef="Unit13" decimals="-3">263078000</hrb:OccupancyAndEquipment>
  <hrb:OccupancyAndEquipment contextRef="Duration_11_1_2011_To_1_31_2012" unitRef="Unit13" decimals="-3">93024000</hrb:OccupancyAndEquipment>
  <hrb:PaymentsForLoansMadeToFranchisees contextRef="Duration_5_1_2010_To_1_31_2011" unitRef="Unit13" decimals="-3">90304000</hrb:PaymentsForLoansMadeToFranchisees>
  <hrb:PaymentsForLoansMadeToFranchisees contextRef="Duration_5_1_2010_To_1_31_2011_dei_LegalEntityAxis_hrb_BfcIssuerMember" unitRef="Unit13" decimals="-3">90304000</hrb:PaymentsForLoansMadeToFranchisees>
  <hrb:PaymentsForLoansMadeToFranchisees contextRef="Duration_5_1_2011_To_1_31_2012" unitRef="Unit13" decimals="-3">43649000</hrb:PaymentsForLoansMadeToFranchisees>
  <hrb:PaymentsForLoansMadeToFranchisees contextRef="Duration_5_1_2011_To_1_31_2012_dei_LegalEntityAxis_hrb_BfcIssuerMember" unitRef="Unit13" decimals="-3">43649000</hrb:PaymentsForLoansMadeToFranchisees>
  <hrb:PaymentsForRepurchaseOfCommonStockIncludingSharesSurrendered contextRef="Duration_5_1_2010_To_1_31_2011" unitRef="Unit13" decimals="-3">283494000</hrb:PaymentsForRepurchaseOfCommonStockIncludingSharesSurrendered>
  <hrb:PaymentsForRepurchaseOfCommonStockIncludingSharesSurrendered contextRef="Duration_5_1_2010_To_1_31_2011_dei_LegalEntityAxis_us-gaap_ParentCompanyMember" unitRef="Unit13" decimals="-3">283494000</hrb:PaymentsForRepurchaseOfCommonStockIncludingSharesSurrendered>
  <hrb:PaymentsForRepurchaseOfCommonStockIncludingSharesSurrendered contextRef="Duration_5_1_2011_To_1_31_2012" unitRef="Unit13" decimals="-3">180566000</hrb:PaymentsForRepurchaseOfCommonStockIncludingSharesSurrendered>
  <hrb:PaymentsForRepurchaseOfCommonStockIncludingSharesSurrendered contextRef="Duration_5_1_2011_To_1_31_2012_dei_LegalEntityAxis_us-gaap_ParentCompanyMember" unitRef="Unit13" decimals="-3">180566000</hrb:PaymentsForRepurchaseOfCommonStockIncludingSharesSurrendered>
  <hrb:PercentageOfAnnualFacilityFee contextRef="Duration_5_1_2011_To_1_31_2012_us-gaap_RangeAxis_us-gaap_MaximumMember" unitRef="Unit12" decimals="4">0.0070</hrb:PercentageOfAnnualFacilityFee>
  <hrb:PercentageOfAnnualFacilityFee contextRef="Duration_5_1_2011_To_1_31_2012_us-gaap_RangeAxis_us-gaap_MinimumMember" unitRef="Unit12" decimals="4">0.0020</hrb:PercentageOfAnnualFacilityFee>
  <hrb:PercentageOfDeniedLoanRepurchaseClaimsReceived contextRef="Duration_5_1_2011_To_1_31_2012" unitRef="Unit12" decimals="2">0.88</hrb:PercentageOfDeniedLoanRepurchaseClaimsReceived>
  <hrb:PercentageOfFraudOnOriginatedLoans contextRef="Duration_5_1_2010_To_1_31_2011" unitRef="Unit12" decimals="2">0.68</hrb:PercentageOfFraudOnOriginatedLoans>
  <hrb:PercentageOfLoansIssuedToGovernmentSponsoredEntities contextRef="As_Of_1_31_2012" unitRef="Unit12" decimals="2">0.01</hrb:PercentageOfLoansIssuedToGovernmentSponsoredEntities>
  <hrb:PercentageOfLoansOriginatedIn2006And2007 contextRef="As_Of_1_31_2012" unitRef="Unit12" decimals="2">0.90</hrb:PercentageOfLoansOriginatedIn2006And2007>
  <hrb:PercentageOfMortgageLoanPortfolioConsistingOfBorrowersFromFloridaCaliforniaAndNewYork contextRef="Duration_5_1_2011_To_1_31_2012" unitRef="Unit12" decimals="2">0.52</hrb:PercentageOfMortgageLoanPortfolioConsistingOfBorrowersFromFloridaCaliforniaAndNewYork>
  <hrb:PercentageOfValidClaimsThatResultedInIndemnificationOrSettlementPayments contextRef="Duration_5_1_2011_To_1_31_2012" unitRef="Unit12" decimals="2">0.78</hrb:PercentageOfValidClaimsThatResultedInIndemnificationOrSettlementPayments>
  <hrb:PercentageOfValidClaimsThatResultedInLoanRepurchases contextRef="Duration_5_1_2011_To_1_31_2012" unitRef="Unit12" decimals="2">0.22</hrb:PercentageOfValidClaimsThatResultedInLoanRepurchases>
  <hrb:PercentOfLoansThirtyDaysPastDue contextRef="Duration_5_1_2011_To_1_31_2012" unitRef="Unit12" decimals="3">0.342</hrb:PercentOfLoansThirtyDaysPastDue>
  <hrb:PercentOfLoansThirtyDaysPastDue contextRef="Duration_5_1_2011_To_1_31_2012_us-gaap_AccountsNotesLoansAndFinancingReceivablesByLegalEntityOfCounterpartyTypeAxis_hrb_AllOtherMember" unitRef="Unit12" decimals="3">0.124</hrb:PercentOfLoansThirtyDaysPastDue>
  <hrb:PercentOfLoansThirtyDaysPastDue contextRef="Duration_5_1_2011_To_1_31_2012_us-gaap_AccountsNotesLoansAndFinancingReceivablesByLegalEntityOfCounterpartyTypeAxis_hrb_PurchasedFromSccMember" unitRef="Unit12" decimals="3">0.471</hrb:PercentOfLoansThirtyDaysPastDue>
  <hrb:PrincipalBalanceOfPriorPeriodWarrantyClaimsReviewedDuringPeriod contextRef="Duration_11_1_2011_To_1_31_2012" unitRef="Unit13" decimals="-6">220000000</hrb:PrincipalBalanceOfPriorPeriodWarrantyClaimsReviewedDuringPeriod>
  <hrb:ProceedsFromCollectionOfFranchiseLoansReceivable contextRef="Duration_5_1_2010_To_1_31_2011" unitRef="Unit13" decimals="-3">9926000</hrb:ProceedsFromCollectionOfFranchiseLoansReceivable>
  <hrb:ProceedsFromCollectionOfFranchiseLoansReceivable contextRef="Duration_5_1_2010_To_1_31_2011_dei_LegalEntityAxis_hrb_BfcIssuerMember" unitRef="Unit13" decimals="-3">9926000</hrb:ProceedsFromCollectionOfFranchiseLoansReceivable>
  <hrb:ProceedsFromCollectionOfFranchiseLoansReceivable contextRef="Duration_5_1_2011_To_1_31_2012" unitRef="Unit13" decimals="-3">8455000</hrb:ProceedsFromCollectionOfFranchiseLoansReceivable>
  <hrb:ProceedsFromCollectionOfFranchiseLoansReceivable contextRef="Duration_5_1_2011_To_1_31_2012_dei_LegalEntityAxis_hrb_BfcIssuerMember" unitRef="Unit13" decimals="-3">8455000</hrb:ProceedsFromCollectionOfFranchiseLoansReceivable>
  <hrb:ProvisionForBadDebtAndLoanLosses contextRef="Duration_5_1_2010_To_1_31_2011" unitRef="Unit13" decimals="-3">118754000</hrb:ProvisionForBadDebtAndLoanLosses>
  <hrb:ProvisionForBadDebtAndLoanLosses contextRef="Duration_11_1_2010_To_1_31_2011" unitRef="Unit13" decimals="-3">100028000</hrb:ProvisionForBadDebtAndLoanLosses>
  <hrb:ProvisionForBadDebtAndLoanLosses contextRef="Duration_5_1_2011_To_1_31_2012" unitRef="Unit13" decimals="-3">68423000</hrb:ProvisionForBadDebtAndLoanLosses>
  <hrb:ProvisionForBadDebtAndLoanLosses contextRef="Duration_11_1_2011_To_1_31_2012" unitRef="Unit13" decimals="-3">52932000</hrb:ProvisionForBadDebtAndLoanLosses>
  <hrb:RatioOfIndebtednessToNetCapital1 contextRef="As_Of_1_31_2012" unitRef="Unit12" decimals="3">0.271</hrb:RatioOfIndebtednessToNetCapital1>
  <hrb:RealEstateOwnedLoansFairValueDisclosure contextRef="As_Of_1_31_2011_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_EstimateOfFairValueFairValueDisclosureMember_us-gaap_FairValueByMeasurementFrequencyAxis_us-gaap_FairValueMeasurementsNonrecurringMember" unitRef="Unit13" decimals="-3">19532000</hrb:RealEstateOwnedLoansFairValueDisclosure>
  <hrb:RealEstateOwnedLoansFairValueDisclosure xsi:nil="true" contextRef="As_Of_1_31_2011_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel1Member_us-gaap_FairValueByMeasurementFrequencyAxis_us-gaap_FairValueMeasurementsNonrecurringMember" unitRef="Unit13" />
  <hrb:RealEstateOwnedLoansFairValueDisclosure contextRef="As_Of_1_31_2011_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel3Member_us-gaap_FairValueByMeasurementFrequencyAxis_us-gaap_FairValueMeasurementsNonrecurringMember" unitRef="Unit13" decimals="-3">19532000</hrb:RealEstateOwnedLoansFairValueDisclosure>
  <hrb:RealEstateOwnedLoansFairValueDisclosure contextRef="As_Of_1_31_2012_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_EstimateOfFairValueFairValueDisclosureMember_us-gaap_FairValueByMeasurementFrequencyAxis_us-gaap_FairValueMeasurementsNonrecurringMember" unitRef="Unit13" decimals="-3">16883000</hrb:RealEstateOwnedLoansFairValueDisclosure>
  <hrb:RealEstateOwnedLoansFairValueDisclosure xsi:nil="true" contextRef="As_Of_1_31_2012_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel1Member_us-gaap_FairValueByMeasurementFrequencyAxis_us-gaap_FairValueMeasurementsNonrecurringMember" unitRef="Unit13" />
  <hrb:RealEstateOwnedLoansFairValueDisclosure xsi:nil="true" contextRef="As_Of_1_31_2012_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel2Member_us-gaap_FairValueByMeasurementFrequencyAxis_us-gaap_FairValueMeasurementsNonrecurringMember" unitRef="Unit13" />
  <hrb:RealEstateOwnedLoansFairValueDisclosure contextRef="As_Of_1_31_2012_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_FairValueInputsLevel3Member_us-gaap_FairValueByMeasurementFrequencyAxis_us-gaap_FairValueMeasurementsNonrecurringMember" unitRef="Unit13" decimals="-3">16883000</hrb:RealEstateOwnedLoansFairValueDisclosure>
  <hrb:ReductionOfAggregateOutstandingPrincipalAmount contextRef="As_Of_1_31_2012" unitRef="Unit13" decimals="-5">200000000</hrb:ReductionOfAggregateOutstandingPrincipalAmount>
  <hrb:ReductionOfAggregateOutstandingPrincipalPeriod contextRef="Duration_5_1_2011_To_1_31_2012" unitRef="Unit14" decimals="INF">30</hrb:ReductionOfAggregateOutstandingPrincipalPeriod>
  <hrb:RollforwardOfReserveForLossesOnRepurchases contextRef="Duration_5_1_2011_To_1_31_2012">&lt;div&gt; &lt;table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="76%" align="center"&gt;
&lt;tr&gt;&lt;td style="width: 55%;"&gt; &lt;/td&gt;
&lt;td style="width: 52pt;"&gt; &lt;/td&gt;
&lt;td style="width: 52pt;"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;&lt;b&gt; &lt;/b&gt;(in&amp;nbsp;000s)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="bottom" width="78%" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Nine months ended January&amp;nbsp;31,&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;2012&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;2011&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Balance at beginning of period:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Amount related to repurchase and indemnifications &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 126,260 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 138,415 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Amount related to indemnity agreement dated April 2008 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;49,785 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;126,260 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;188,200 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Changes:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Provision for estimated losses &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;20,000 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Losses on repurchase and indemnifications &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(3,337 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(7,652 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Payments under indemnity agreement dated April 2008 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(25,562 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Balance at end of period:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Amount related to repurchase and indemnifications &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;142,923 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;130,763 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Amount related to indemnity agreement dated April 2008 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;24,223 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 142,923 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 154,986 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt; &lt;/div&gt;</hrb:RollforwardOfReserveForLossesOnRepurchases>
  <hrb:ScheduleOfActivityInAllowanceForDoubtfulAccountsTableTextBlock contextRef="Duration_5_1_2011_To_1_31_2012">&lt;div&gt; &lt;table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"&gt;
&lt;tr&gt;&lt;td style="width: 42%;"&gt; &lt;/td&gt;
&lt;td style="width: 67pt;"&gt; &lt;/td&gt;
&lt;td style="width: 74pt;"&gt; &lt;/td&gt;
&lt;td style="width: 55pt;"&gt; &lt;/td&gt;
&lt;td style="width: 45pt;"&gt; &lt;/td&gt;
&lt;td style="width: 47pt;"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;(in 000s)&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Emerald&amp;nbsp;Advance&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Tax Client&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Loans&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;All&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Lines&amp;nbsp;of&amp;nbsp;Credit&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Receivables&amp;nbsp;-&amp;nbsp;RALs&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;to&amp;nbsp;Franchisees&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Other&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Total&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Balance as of April&amp;nbsp;30, 2011 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 4,400 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ &amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ &amp;#8212; &lt;br /&gt;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 43,543 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 47,943 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Provision &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;33,570 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;17,062 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;50,632 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Charge-offs &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(34,436 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(34,436 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Balance as of January&amp;nbsp;31, 2012 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 37,970 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ &amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ &amp;#8212; &lt;br /&gt;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 26,169 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 64,139 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Balance as of April&amp;nbsp;30, 2010 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 35,239 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 12,191 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 4 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 43,723 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 91,157 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Provision &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;71,325 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;2 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;22,961 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;94,288 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Charge-offs &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(32,919 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(12,193 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(4 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(37,492 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(82,608 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Balance as of January&amp;nbsp;31, 2011 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 73,645 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ &amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ &amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 29,192 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 102,837 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt; &lt;/div&gt;</hrb:ScheduleOfActivityInAllowanceForDoubtfulAccountsTableTextBlock>
  <hrb:ScheduleOfAllowanceForImpairedLoansTableTextBlock contextRef="Duration_5_1_2011_To_1_31_2012">&lt;div&gt; &lt;table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="76%" align="center"&gt;
&lt;tr&gt;&lt;td style="width: 50%;"&gt; &lt;/td&gt;
&lt;td style="width: 69pt;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 61pt;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;(in 000s)&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="bottom" width="70%" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;As of&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;January&amp;nbsp;31,&amp;nbsp;2012&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;April&amp;nbsp;30,&amp;nbsp;2011&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Portion of total allowance for loan losses allocated to impaired loans and TDR loans:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Based on collateral value method &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 71,471 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 69,794 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Based on discounted cash flow method &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;9,011 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;11,055 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 80,482 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 80,849 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt; &lt;/div&gt;</hrb:ScheduleOfAllowanceForImpairedLoansTableTextBlock>
  <hrb:ScheduleOfAllowanceForLoanLossesTextBlock contextRef="Duration_5_1_2011_To_1_31_2012">&lt;div&gt; &lt;table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="76%" align="center"&gt;
&lt;tr&gt;&lt;td style="width: 56%;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 50pt;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 50pt;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;(in 000s)&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="bottom" width="78%" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Nine months ended January&amp;nbsp;31,&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;2012&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;2011&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Balance, beginning of the period &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 92,087 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 93,535 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Provision &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;17,275 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;24,100 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Recoveries &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;160 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;169 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Charge-offs &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(19,573 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(29,928 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Balance, end of the period &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 89,949 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 87,876 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt; &lt;/div&gt;</hrb:ScheduleOfAllowanceForLoanLossesTextBlock>
  <hrb:ScheduleOfAmortizedCostAndFairValueOfSecuritiesAvailableForSaleTableTextBlock contextRef="Duration_5_1_2011_To_1_31_2012">&lt;div&gt; &lt;div class="MetaData"&gt;

&lt;table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"&gt;
&lt;tr&gt;&lt;td style="width: 30%;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 44pt;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 45pt;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 45pt;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 40pt;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 44pt;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 45pt;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 45pt;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 40pt;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;(in 000s)&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="4" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;January&amp;nbsp;31, 2012&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="4" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;April&amp;nbsp;30,&amp;nbsp;2011&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Gross&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Gross&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Gross&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Gross&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Amortized&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Unrealized&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Unrealized&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Fair&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Amortized&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Unrealized&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Unrealized&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Fair&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="bottom" width="45%"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;&lt;u&gt;As of&lt;/u&gt;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Cost&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Gains&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Losses&lt;sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;"&gt; (1)&lt;/sup&gt;&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Value&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Cost&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Gains&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Losses&lt;sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;"&gt; (1)&lt;/sup&gt;&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Value&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Short-term:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Municipal bonds &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;$ 2,001 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;$ 3 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;$ &amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;$ 2,004 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;$ 3,023 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;$ 58 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;$ &amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;$ 3,081 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Long-term:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Mortgage-backed securities &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;303,519 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;3,243 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;(287 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;306,475 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;157,970 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;401 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;(194 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;158,177 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Municipal bonds &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;5,260 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;448 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;5,708 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;5,312 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;347 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;5,659 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;308,779 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;3,691 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;(287 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;312,183 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;163,282 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;748 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;(194 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;163,836 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Total &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;$ 310,780 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;$ 3,694 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;$ (287 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;$ 314,187 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;$ 166,305 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;$ 806 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;$ (194 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;$ 166,917 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;

&lt;p style="padding-bottom: 0px; margin-top: 0px; margin-bottom: 0px; margin-left: 2%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;&lt;sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;"&gt; &lt;/sup&gt;&lt;/font&gt;&amp;nbsp;&lt;/p&gt;

&lt;div class="MetaData"&gt;

&lt;p style="padding-bottom: 0px; margin-top: 0px; margin-bottom: 0px; margin-left: 2%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;&lt;sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;"&gt;(1)&lt;/sup&gt;&amp;nbsp;&lt;/font&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&lt;font class="_mt"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;At January 31, 2012 and April 30, 2011, we had&amp;nbsp;&lt;font class="_mt"&gt;no&lt;/font&gt; investments that had been in a continuous loss position for more than twelve months.&lt;/font&gt;&lt;/font&gt; &lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;/div&gt; &lt;/div&gt;</hrb:ScheduleOfAmortizedCostAndFairValueOfSecuritiesAvailableForSaleTableTextBlock>
  <hrb:ScheduleOfComponentsOfStockholdersEquityTableTextBlock contextRef="Duration_5_1_2011_To_1_31_2012">&lt;div&gt; &lt;table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="68%" align="center"&gt;
&lt;tr&gt;&lt;td style="width: 57%;"&gt; &lt;/td&gt;
&lt;td style="width: 52pt;"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;&lt;b&gt; &lt;/b&gt;(in 000s)&lt;b&gt; &lt;/b&gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Common stock &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 130 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Additional paid-in capital &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;7,826 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Retained earnings &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;169,548 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 177,504 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt; &lt;/div&gt;</hrb:ScheduleOfComponentsOfStockholdersEquityTableTextBlock>
  <hrb:ScheduleOfCondensedConsolidatingBalanceSheetTableTextBlock contextRef="Duration_5_1_2011_To_1_31_2012">&lt;div&gt; &lt;div class="MetaData"&gt;

&lt;p style="margin-top: 12px; margin-bottom: 0px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&lt;i&gt; &lt;/i&gt;&lt;/font&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="margin-top: 12px; margin-bottom: 0px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&lt;i&gt; &lt;/i&gt;&lt;/font&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="margin-top: 12px; margin-bottom: 0px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&lt;i&gt;Condensed Consolidating Balance Sheets&lt;/i&gt;&lt;b&gt;&lt;i&gt; &lt;/i&gt;&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px; font-size: 6px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"&gt;
&lt;tr&gt;&lt;td style="width: 42%;"&gt; &lt;/td&gt;
&lt;td style="width: 64pt;"&gt; &lt;/td&gt;
&lt;td style="width: 55pt;"&gt; &lt;/td&gt;
&lt;td style="width: 55pt;"&gt; &lt;/td&gt;
&lt;td style="width: 58pt;"&gt; &lt;/td&gt;
&lt;td style="width: 55pt;"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;(in 000s)&lt;/font&gt;

&lt;p class="rrdsinglerule" align="left"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="bottom" width="54%" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;As of January&amp;nbsp;31, 2012&lt;/font&gt;&lt;/p&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;H&amp;amp;R&amp;nbsp;Block,&amp;nbsp;Inc.&lt;br /&gt;(Guarantor)&lt;/font&gt;

&lt;p class="rrdsinglerule" align="left"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;BFC&lt;/font&gt;&lt;br /&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;(Issuer)&lt;/font&gt;

&lt;p class="rrdsinglerule" align="left"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Other&lt;br /&gt;Subsidiaries&lt;/font&gt;

&lt;p class="rrdsinglerule" align="left"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Eliminations&lt;/font&gt;

&lt;p class="rrdsinglerule" align="left"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Consolidated&lt;br /&gt;H&amp;amp;R Block&lt;/font&gt;

&lt;p class="rrdsinglerule" align="left"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Cash&amp;nbsp;&amp;amp; cash equivalents &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ &amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 1,065,448 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 153,825 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (289 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 1,218,984 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Cash&amp;nbsp;&amp;amp; cash equivalents &amp;#8211; restricted &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;2,254 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;31,914 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;34,168 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Receivables, net &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;63 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;502,231 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;533,608 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,035,902 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Mortgage loans held for investment &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;430,189 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;430,189 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Intangible assets and goodwill, net &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;701,743 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;701,743 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Investments in subsidiaries &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,694,728 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,706 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(1,694,728 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,706 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Other assets &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;8,841 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;535,743 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;885,513 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,430,097 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Total assets &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 1,703,632 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 2,535,865 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 2,308,309 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (1,695,017 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 4,852,789 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Customer deposits &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ &amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 1,588,277 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ &amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (289 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 1,587,988 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Long-term debt &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;999,235 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;41,002 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,040,237 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Commercial paper borrowings &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;230,947 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;230,947 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;FHLB borrowings &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;25,000 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;25,000 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Other liabilities &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;246 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(108,361 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,270,283 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,162,168 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Net intercompany advances &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;896,937 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;68,684 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(965,621 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Stockholders' equity &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;806,449 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(267,917 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,962,645 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(1,694,728 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;806,449 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Total liabilities and stockholders' equity &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 1,703,632 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 2,535,865 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 2,308,309 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (1,695,017 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 4,852,789 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;

&lt;table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"&gt;
&lt;tr&gt;&lt;td style="width: 42%;"&gt; &lt;/td&gt;
&lt;td style="width: 64pt;"&gt; &lt;/td&gt;
&lt;td style="width: 55pt;"&gt; &lt;/td&gt;
&lt;td style="width: 58pt;"&gt; &lt;/td&gt;
&lt;td style="width: 58pt;"&gt; &lt;/td&gt;
&lt;td style="width: 55pt;"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="bottom" width="54%" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;As of April&amp;nbsp;30, 2011&lt;/font&gt;&lt;/p&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;H&amp;amp;R&amp;nbsp;Block,&amp;nbsp;Inc.&lt;br /&gt;(Guarantor)&lt;/font&gt;

&lt;p class="rrdsinglerule" align="left"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;BFC&lt;/font&gt;&lt;br /&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;(Issuer)&lt;/font&gt;

&lt;p class="rrdsinglerule" align="left"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Other&lt;br /&gt;Subsidiaries&lt;/font&gt;

&lt;p class="rrdsinglerule" align="left"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Eliminations&lt;/font&gt;

&lt;p class="rrdsinglerule" align="left"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Consolidated&lt;br /&gt;H&amp;amp;R Block&lt;/font&gt;

&lt;p class="rrdsinglerule" align="left"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Cash&amp;nbsp;&amp;amp; cash equivalents &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ &amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 616,238 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 1,061,656 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (50 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 1,677,844 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Cash&amp;nbsp;&amp;amp; cash equivalents &amp;#8211; restricted &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;9,522 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;38,861 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;48,383 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Receivables, net &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;88 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;102,011 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;128,073 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;230,172 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Mortgage loans held for investment, net &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;485,008 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;485,008 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Intangible assets and goodwill, net &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;709,493 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;709,493 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Investments in subsidiaries &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;2,699,555 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;32 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(2,699,555 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;32 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Assets held for sale &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;900,328 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;900,328 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Other assets &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;13,613 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;469,461 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;755,119 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,238,193 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Total assets &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 2,713,256 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 1,682,240 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 3,593,562 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (2,699,605 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 5,289,453 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Customer deposits &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ &amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 852,270 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ &amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (50 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 852,220 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Long&amp;#8211;term debt &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;998,965 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;41,119 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,040,084 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;FHLB borrowings &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;25,000 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;25,000 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Liabilities held for sale &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;241,562 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;241,562 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Other liabilities &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;178 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(26,769 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,707,604 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,681,013 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Net intercompany advances &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,263,504 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;24,173 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(1,287,677 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Stockholders' equity &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,449,574 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(191,399 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;2,890,954 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(2,699,555 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,449,574 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Total&amp;nbsp;liabilities&amp;nbsp;and&amp;nbsp;stockholders'&amp;nbsp; equity &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 2,713,256 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 1,682,240 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 3,593,562 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (2,699,605 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 5,289,453 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt; &lt;/div&gt;</hrb:ScheduleOfCondensedConsolidatingBalanceSheetTableTextBlock>
  <hrb:ScheduleOfCondensedConsolidatingStatementOfCashFlowsTextBlock contextRef="Duration_5_1_2011_To_1_31_2012">&lt;div&gt; &lt;div class="MetaData"&gt;

&lt;p style="margin-top: 12px; margin-bottom: 0px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&lt;i&gt;Condensed Consolidating Statements of Cash Flows &lt;/i&gt;&lt;i&gt; &lt;/i&gt;&lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px; font-size: 12px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"&gt;
&lt;tr&gt;&lt;td style="width: 43%;"&gt; &lt;/td&gt;
&lt;td style="width: 64pt;"&gt; &lt;/td&gt;
&lt;td style="width: 55pt;"&gt; &lt;/td&gt;
&lt;td style="width: 55pt;"&gt; &lt;/td&gt;
&lt;td style="width: 50pt;"&gt; &lt;/td&gt;
&lt;td style="width: 58pt;"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;(in 000s)&lt;/font&gt;

&lt;p class="rrdsinglerule" align="left"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="bottom" width="52%" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Nine months ended&lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;January&amp;nbsp;31, 2012&lt;/font&gt;&lt;/p&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;H&amp;amp;R&amp;nbsp;Block,&amp;nbsp;Inc.&lt;br /&gt;(Guarantor)&lt;/font&gt;

&lt;p class="rrdsinglerule" align="left"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;BFC&lt;/font&gt;&lt;br /&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;(Issuer)&lt;/font&gt;

&lt;p class="rrdsinglerule" align="left"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Other&lt;br /&gt;Subsidiaries&lt;/font&gt;

&lt;p class="rrdsinglerule" align="left"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Eliminations&lt;/font&gt;

&lt;p class="rrdsinglerule" align="left"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Consolidated&lt;br /&gt;H&amp;amp;R Block&lt;/font&gt;

&lt;p class="rrdsinglerule" align="left"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Net cash provided by (used in) operating activities: &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 8,193 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (448,362 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (942,602 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ &amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (1,382,771 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Cash flows from investing:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Purchases of available&amp;#8211;for&amp;#8211;sale securities &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(178,014 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(178,014 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Mortgage loans originated for investment, net &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;35,460 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;35,460 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Purchase property&amp;nbsp;&amp;amp; equipment &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(152 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(71,397 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(71,549 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Payments made for business acquisitions, net &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(16,022 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(16,022 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Proceeds from sale of businesses, net &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;533,055 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;533,055 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Loans made to franchisees &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(43,649 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(43,649 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Repayments from franchisees &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;8,455 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;8,455 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Net intercompany advances &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;322,729 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(322,729 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Other, net &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;47,230 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;8,564 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;55,794 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Net cash provided by (used in) investing activities &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;322,729 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(130,670 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;454,200 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(322,729 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;323,530 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Cash flows from financing:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Repayments of commercial paper &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(413,221 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(413,221 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Proceeds&amp;nbsp;from&amp;nbsp;commercial&amp;nbsp;paper &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;644,168 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;644,168 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Customer banking deposits &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;735,491 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(239 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;735,252 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Dividends paid &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(150,058 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(150,058 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Repurchase of common stock &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(180,566 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(180,566 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Proceeds from exercise of stock options, net &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(324 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(324 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Net intercompany advances &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;61,747 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(384,476 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;322,729 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Other, net &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;26 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;57 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(31,507 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(31,424 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Net cash provided by (used in) financing activities &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(330,922 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,028,242 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(415,983 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;322,490 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;603,827 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Effects of exchange rates on cash &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(3,446 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(3,446 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Net increase (decrease) in cash &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;449,210 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(907,831 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(239 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(458,860 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Cash &amp;#8211; beginning of period &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;616,238 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,061,656 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(50 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,677,844 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Cash &amp;#8211; end of period &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ &amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 1,065,448 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 153,825 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (289 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ &amp;nbsp;1,218,984 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;

&lt;p style="margin-top: 12px; margin-bottom: 0px; font-size: 1px;"&gt;&lt;font size="3" class="_mt"&gt; &lt;/font&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px; font-size: 12px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"&gt;
&lt;tr&gt;&lt;td style="width: 43%;"&gt; &lt;/td&gt;
&lt;td style="width: 64pt;"&gt; &lt;/td&gt;
&lt;td style="width: 58pt;"&gt; &lt;/td&gt;
&lt;td style="width: 55pt;"&gt; &lt;/td&gt;
&lt;td style="width: 50pt;"&gt; &lt;/td&gt;
&lt;td style="width: 58pt;"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="bottom" width="55%" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Nine months ended&lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;January&amp;nbsp;31, 2011&lt;/font&gt;&lt;/p&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;H&amp;amp;R&amp;nbsp;Block,&amp;nbsp;Inc.&lt;br /&gt;(Guarantor)&lt;/font&gt;

&lt;p class="rrdsinglerule" align="left"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;BFC&lt;/font&gt;&lt;br /&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;(Issuer)&lt;/font&gt;

&lt;p class="rrdsinglerule" align="left"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Other&lt;/font&gt;&lt;br /&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Subsidiaries&lt;/font&gt;

&lt;p class="rrdsinglerule" align="left"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Eliminations&lt;/font&gt;

&lt;p class="rrdsinglerule" align="left"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Consolidated&lt;/font&gt;&lt;br /&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;H&amp;amp;R Block&lt;/font&gt;

&lt;p class="rrdsinglerule" align="left"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Net cash used in operating activities: &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (43,026 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (725,197 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (737,195 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ &amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (1,505,418 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Cash flows from investing:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Mortgage loans originated for investment, net &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;45,316 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;45,316 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Purchase property&amp;nbsp;&amp;amp; equipment &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(51,198 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(51,198 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Payments made for business acquisitions, net &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(50,832 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(50,832 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Proceeds from sale of businesses, net &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;62,298 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;62,298 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Loans made to franchisees &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(90,304 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(90,304 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Repayments from franchisees &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;9,926 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;9,926 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Net intercompany advances &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;467,873 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(467,873 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Other, net &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;28,612 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;10,039 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;38,651 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Net cash provided by (used in) investing activities &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;467,873 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(6,450 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(29,693 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(467,873 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(36,143 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Cash flows from financing:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Repayments of short-term borrowings &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(2,654,653 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(2,654,653 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Proceeds from short-term borrowings &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;3,286,603 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;3,286,603 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Customer banking deposits &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,003,482 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(1,208 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,002,274 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Dividends paid &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(140,926 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(140,926 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Repurchase of common stock &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(283,494 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(283,494 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Proceeds from exercise of stock options &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(866 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(866 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Net intercompany advances &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(315,752 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(152,121 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;467,873 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Other, net &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;439 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(365 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(10,136 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(10,062 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Net cash provided by (used in) financing activities &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(424,847 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,319,315 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(162,257 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;466,665 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,198,876 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Effects of exchange rates on cash &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;4,330 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;4,330 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Net increase (decrease) in cash &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;587,668 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(924,815 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(1,208 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(338,355 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Cash &amp;#8211; beginning of period &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;702,021 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,102,135 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(111 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,804,045 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Cash &amp;#8211; end of period &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ &amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 1,289,689 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 177,320 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (1,319 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 1,465,690 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt; &lt;/div&gt;</hrb:ScheduleOfCondensedConsolidatingStatementOfCashFlowsTextBlock>
  <hrb:ScheduleOfCondensedConsolidatingStatementOfOperationsTableTextBlock contextRef="Duration_5_1_2011_To_1_31_2012">&lt;div&gt; &lt;div class="MetaData"&gt;

&lt;div&gt;

&lt;div class="MetaData"&gt;

&lt;div&gt;

&lt;div&gt;

&lt;p style="margin-top: 12px; margin-bottom: 0px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&lt;i&gt;Condensed Consolidating Statements of Operations&lt;/i&gt;&lt;b&gt;&lt;i&gt; &lt;/i&gt;&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px; font-size: 6px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"&gt;
&lt;tr&gt;&lt;td style="width: 47%;"&gt; &lt;/td&gt;
&lt;td style="width: 64pt;"&gt; &lt;/td&gt;
&lt;td style="width: 45pt;"&gt; &lt;/td&gt;
&lt;td style="width: 49pt;"&gt; &lt;/td&gt;
&lt;td style="width: 50pt;"&gt; &lt;/td&gt;
&lt;td style="width: 52pt;"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;(in 000s)&lt;/font&gt;

&lt;p class="rrdsinglerule" align="left"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="bottom" width="60%" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Three months ended&lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;January&amp;nbsp;31, 2012&lt;/font&gt;&lt;/p&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;H&amp;amp;R&amp;nbsp;Block,&amp;nbsp;Inc.&lt;br /&gt;(Guarantor)&lt;/font&gt;

&lt;p class="rrdsinglerule" align="left"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;BFC&lt;br /&gt;(Issuer)&lt;/font&gt;

&lt;p class="rrdsinglerule" align="left"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Other&lt;br /&gt;Subsidiaries&lt;/font&gt;

&lt;p class="rrdsinglerule" align="left"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Eliminations&lt;/font&gt;

&lt;p class="rrdsinglerule" align="left"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Consolidated&lt;br /&gt;H&amp;amp;R Block&lt;/font&gt;

&lt;p class="rrdsinglerule" align="left"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Total revenues &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ &amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 65,604 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 597,837 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (161 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 663,280 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Cost of revenues &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;77,965 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;377,436 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(161 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;455,240 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Selling, general and administrative &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;9,705 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;202,031 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;211,736 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Total expenses &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;87,670 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;579,467 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(161 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;666,976 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Operating income (loss) &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(22,066 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;18,370 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(3,696 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Other income (expense), net &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(1,026 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,301 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,369 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,026 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;2,670 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Income (loss) from continuing operations before tax (benefit) &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(1,026 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(20,765 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;19,739 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,026 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(1,026 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Income tax (benefit) &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;2,541 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;12,036 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(9,495 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(2,541 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;2,541 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Net income (loss) from continuing operations &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(3,567 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(32,801 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;29,234 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;3,567 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(3,567 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Net income (loss) from discontinued operations &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;218 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(15,695 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;15,913 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(218 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;218 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Net income (loss) &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (3,349 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (48,496 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 45,147 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 3,349 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (3,349 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;

&lt;div&gt;

&lt;div class="MetaData"&gt;

&lt;div&gt;

&lt;div&gt;

&lt;table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"&gt;
&lt;tr&gt;&lt;td style="width: 47%;"&gt; &lt;/td&gt;
&lt;td style="width: 64pt;"&gt; &lt;/td&gt;
&lt;td style="width: 47pt;"&gt; &lt;/td&gt;
&lt;td style="width: 49pt;"&gt; &lt;/td&gt;
&lt;td style="width: 50pt;"&gt; &lt;/td&gt;
&lt;td style="width: 52pt;"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="bottom" width="58%" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Three months ended&lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;January&amp;nbsp;31, 2011&lt;/font&gt;&lt;/p&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;H&amp;amp;R&amp;nbsp;Block,&amp;nbsp;Inc.&lt;br /&gt;(Guarantor)&lt;/font&gt;

&lt;p class="rrdsinglerule" align="left"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;BFC&lt;br /&gt;(Issuer)&lt;/font&gt;

&lt;p class="rrdsinglerule" align="left"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Other&lt;br /&gt;Subsidiaries&lt;/font&gt;

&lt;p class="rrdsinglerule" align="left"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Eliminations&lt;/font&gt;

&lt;p class="rrdsinglerule" align="left"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Consolidated&lt;br /&gt;H&amp;amp;R Block&lt;/font&gt;

&lt;p class="rrdsinglerule" align="left"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Total revenues &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ &amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 74,103 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 606,193 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ &amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 680,296 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Cost of revenues &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;118,708 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;376,176 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;494,884 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Selling, general and administrative &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;10,220 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;203,119 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;213,339 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Total expenses &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;128,928 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;579,295 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;708,223 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Operating income (loss) &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(54,825 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;26,898 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(27,927 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Other income (expense), net &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(25,968 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(521 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;2,480 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;25,968 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,959 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Income (loss) from continuing operations before taxes (benefit) &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(25,968 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(55,346 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;29,378 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;25,968 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(25,968 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Income taxes (benefit) &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(14,934 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(26,783 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;11,849 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;14,934 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(14,934 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Net income (loss) from continuing operations &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(11,034 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(28,563 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;17,529 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;11,034 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(11,034 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Net income (loss) from discontinued operations &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(1,687 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(8,283 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;6,596 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,687 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(1,687 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Net income (loss) &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (12,721 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (36,846 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 24,125 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 12,721 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (12,721 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;

&lt;p style="margin-top: 12px; margin-bottom: 0px; font-size: 1px;"&gt;&lt;font class="_mt" size="3"&gt; &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px; font-size: 12px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"&gt;
&lt;tr&gt;&lt;td style="width: 45%;"&gt; &lt;/td&gt;
&lt;td style="width: 64pt;"&gt; &lt;/td&gt;
&lt;td style="width: 47pt;"&gt; &lt;/td&gt;
&lt;td style="width: 55pt;"&gt; &lt;/td&gt;
&lt;td style="width: 50pt;"&gt; &lt;/td&gt;
&lt;td style="width: 55pt;"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="bottom" width="55%" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Nine months ended&lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;January&amp;nbsp;31, 2012&lt;/font&gt;&lt;/p&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;H&amp;amp;R&amp;nbsp;Block,&amp;nbsp;Inc.&lt;br /&gt;(Guarantor)&lt;/font&gt;

&lt;p class="rrdsinglerule" align="left"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;BFC&lt;br /&gt;(Issuer)&lt;/font&gt;

&lt;p class="rrdsinglerule" align="left"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Other&lt;br /&gt;Subsidiaries&lt;/font&gt;

&lt;p class="rrdsinglerule" align="left"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Eliminations&lt;/font&gt;

&lt;p class="rrdsinglerule" align="left"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Consolidated&lt;br /&gt;H&amp;amp;R Block&lt;/font&gt;

&lt;p class="rrdsinglerule" align="left"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Total revenues &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ &amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 104,937 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 788,321 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (161 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 893,097 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Cost of revenues &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;152,605 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;742,993 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(161 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;895,437 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Selling, general and administrative &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;24,044 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;388,357 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;412,401 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Total expenses &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;176,649 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,131,350 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(161 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,307,838 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Operating loss &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(71,712 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(343,029 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(414,741 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Other income (expense), net &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(405,556 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;7,647 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,538 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;405,556 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;9,185 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Loss from continuing operations before tax benefit &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(405,556 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(64,065 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(341,491 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;405,556 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(405,556 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Income tax benefit &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(159,821 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(4,877 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(154,944 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;159,821 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(159,821 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Net loss from continuing operations &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(245,735 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(59,188 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(186,547 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;245,735 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(245,735 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Net loss from discontinued operations &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(74,436 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(36,398 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(38,038 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;74,436 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(74,436 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Net loss &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (320,171 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (95,586 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (224,585 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 320,171 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (320,171 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px; font-size: 12px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"&gt;
&lt;tr&gt;&lt;td style="width: 45%;"&gt; &lt;/td&gt;
&lt;td style="width: 64pt;"&gt; &lt;/td&gt;
&lt;td style="width: 50pt;"&gt; &lt;/td&gt;
&lt;td style="width: 55pt;"&gt; &lt;/td&gt;
&lt;td style="width: 50pt;"&gt; &lt;/td&gt;
&lt;td style="width: 55pt;"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="bottom" width="55%" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Nine months ended&lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;January&amp;nbsp;31, 2011&lt;/font&gt;&lt;/p&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;H&amp;amp;R&amp;nbsp;Block,&amp;nbsp;Inc.&lt;br /&gt;(Guarantor)&lt;/font&gt;

&lt;p class="rrdsinglerule" align="left"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;BFC&lt;br /&gt;(Issuer)&lt;/font&gt;

&lt;p class="rrdsinglerule" align="left"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Other&lt;br /&gt;Subsidiaries&lt;/font&gt;

&lt;p class="rrdsinglerule" align="left"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Eliminations&lt;/font&gt;

&lt;p class="rrdsinglerule" align="left"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Consolidated&lt;br /&gt;H&amp;amp;R Block&lt;/font&gt;

&lt;p class="rrdsinglerule" align="left"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Total revenues &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ &amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 112,423 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 787,298 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ &amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 899,721 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Cost of revenues &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;193,695 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;758,839 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;952,534 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Selling, general and administrative &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;21,689 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;351,212 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;372,901 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Total expenses &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;215,384 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,110,051 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,325,435 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Operating loss &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(102,961 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(322,753 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(425,714 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Other income (expense), net &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(416,635 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;4,751 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;4,328 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;416,635 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;9,079 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Loss from continuing operations before tax benefit &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(416,635 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(98,210 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(318,425 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;416,635 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(416,635 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Income tax benefit &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(166,349 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(42,278 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(124,071 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;166,349 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(166,349 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Net loss from continuing operations &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(250,286 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(55,932 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(194,354 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;250,286 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(250,286 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Net income (loss) from discontinued operations &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(2,165 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(12,617 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;10,452 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;2,165 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(2,165 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Net loss &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (252,451 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (68,549 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (183,902 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 252,451 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (252,451 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt; &lt;/div&gt;</hrb:ScheduleOfCondensedConsolidatingStatementOfOperationsTableTextBlock>
  <hrb:ScheduleOfCreditQualityIndicatorsAndPortfolioBalanceTextBlock contextRef="Duration_5_1_2011_To_1_31_2012">&lt;div&gt; &lt;table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="84%" align="center"&gt;
&lt;tr&gt;&lt;td style="width: 52%;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 52pt;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 52pt;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 52pt;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;(in 000s)&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="bottom" width="70%" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Credit Quality Indicators&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Purchased&lt;br /&gt;from SCC&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;All Other&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Total&lt;br /&gt;Portfolio&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Occupancy status:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Owner occupied &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 229,463 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 122,424 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 351,887 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Non-owner occupied &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;94,659 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;69,963 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;164,622 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 324,122 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 192,387 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 516,509 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Documentation level:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Full documentation &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 95,323 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 140,179 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 235,502 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Limited documentation &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;8,414 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;19,999 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;28,413 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Stated income &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;189,698 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;19,793 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;209,491 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;No documentation &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;30,687 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;12,416 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;43,103 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 324,122 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 192,387 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 516,509 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Internal risk rating:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;High &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 129,745 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ &amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 129,745 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Medium &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;194,377 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;194,377 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Low &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;192,387 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;192,387 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 324,122 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 192,387 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 516,509 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt; &lt;/div&gt;</hrb:ScheduleOfCreditQualityIndicatorsAndPortfolioBalanceTextBlock>
  <hrb:ScheduleOfImpairedLoansTextBlock contextRef="Duration_5_1_2011_To_1_31_2012">&lt;div&gt; &lt;div class="MetaData"&gt;

&lt;div&gt;

&lt;table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="92%" align="center"&gt;
&lt;tr&gt;&lt;td style="width: 33%;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 71pt;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 79pt;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 71pt;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 76pt;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;&lt;b&gt; &lt;/b&gt;(in 000s)&lt;b&gt; &lt;/b&gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Portfolio&amp;nbsp;Balance&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Portfolio&amp;nbsp;Balance&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Total&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;With Allowance&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;With&amp;nbsp;No&amp;nbsp;Allowance&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Portfolio&amp;nbsp;Balance&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Related&amp;nbsp;Allowance&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;As of January&amp;nbsp;31, 2012:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Purchased from SCC &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 179,776 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 40,672 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 220,448 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 71,084 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Other &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;25,390 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;9,755 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;35,145 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;9,398 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 205,166 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 50,427 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 255,593 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 80,482 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;As of April&amp;nbsp;30, 2011:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Purchased from SCC&lt;/font&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;&lt;sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;"&gt; (1)&lt;/sup&gt;&lt;/font&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 180,387 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 51,674 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 232,061 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 71,733 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Other&lt;/font&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;&lt;sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;"&gt; (1)&lt;/sup&gt;&lt;/font&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;29,027 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;7,561 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;36,588 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;9,116 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 209,414 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 59,235 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 268,649 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 80,849 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;

&lt;p style="margin-left: 0%;" class="rfn"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="padding-bottom: 0px; margin-top: 0px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt; &lt;/font&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;&lt;sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;"&gt;(1)&lt;/sup&gt; &lt;/font&gt;&lt;font class="_mt"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Classification of amounts as of April 30, 2011 has been restated to conform to the current period presentation. &lt;/font&gt;&lt;/font&gt;&lt;font size="2" class="_mt"&gt; &lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;/div&gt; &lt;/div&gt;</hrb:ScheduleOfImpairedLoansTextBlock>
  <hrb:ScheduleOfInterestIncomeExpenseByTypeTableTextBlock contextRef="Duration_5_1_2011_To_1_31_2012">&lt;div&gt; &lt;table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="92%" align="center"&gt;
&lt;tr&gt;&lt;td style="width: 54%;"&gt; &lt;/td&gt;
&lt;td style="width: 47pt;"&gt; &lt;/td&gt;
&lt;td style="width: 47pt;"&gt; &lt;/td&gt;
&lt;td style="width: 47pt;"&gt; &lt;/td&gt;
&lt;td style="width: 47pt;"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;(in 000s)&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Three&amp;nbsp;months&amp;nbsp;ended&amp;nbsp;January&amp;nbsp;31,&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Nine&amp;nbsp;months&amp;nbsp;ended&amp;nbsp;January&amp;nbsp;31,&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;2012&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;2011&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;2012&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;2011&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Interest income:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Emerald Advance lines of credit &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 30,062 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 46,132 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 30,297 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 47,590 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Mortgage loans, net &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;4,948 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;5,923 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;15,760 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;18,771 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Other &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;4,466 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;3,957 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;13,680 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;10,305 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 39,476 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 56,012 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 59,737 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 76,666 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Interest expense:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Borrowings &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 21,382 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 21,678 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 63,625 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 62,903 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Deposits &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;2,011 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;2,587 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;5,275 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;6,457 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;FHLB advances &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;150 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;397 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;452 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,189 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 23,543 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 24,662 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 69,352 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 70,549 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt; &lt;/div&gt;</hrb:ScheduleOfInterestIncomeExpenseByTypeTableTextBlock>
  <hrb:ScheduleOfMortgageLoanPortfolioTextBlock contextRef="Duration_5_1_2011_To_1_31_2012">&lt;div&gt; &lt;table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="92%" align="center"&gt;
&lt;tr&gt;&lt;td style="width: 51%;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 52pt;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 49pt;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 52pt;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 49pt;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="right"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;(dollars in 000s)&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;January&amp;nbsp;31, 2012&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;April&amp;nbsp;30, 2011&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="bottom" width="66%" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;As of&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Amount&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;%&amp;nbsp;of&amp;nbsp;Total&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Amount&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;%&amp;nbsp;of&amp;nbsp;Total&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Adjustable-rate loans &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 297,375 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;58 %&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 333,828 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;58 %&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Fixed-rate loans &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;219,134 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;42 %&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;239,146 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;42 %&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;516,509 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;100 %&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;572,974 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;100 %&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Unamortized deferred fees and costs &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;3,629 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;4,121 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Less: Allowance for loan losses &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(89,949 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(92,087 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 430,189 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 485,008 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt; &lt;/div&gt;</hrb:ScheduleOfMortgageLoanPortfolioTextBlock>
  <hrb:ScheduleOfNonAccrualLoansTableTextBlock contextRef="Duration_5_1_2011_To_1_31_2012">&lt;div&gt; &lt;table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="76%" align="center"&gt;
&lt;tr&gt;&lt;td style="width: 50%;"&gt; &lt;/td&gt;
&lt;td style="width: 69pt;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 61pt;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;(in 000s)&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="bottom" width="70%" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;As of&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;January&amp;nbsp;31,&amp;nbsp;2012&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;April&amp;nbsp;30,&amp;nbsp;2011&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Loans:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Purchased from SCC &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 142,853 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 143,358 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Other &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;23,283 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;14,106 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;166,136 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;157,464 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;TDRs:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Purchased from SCC &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;5,729 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;2,849 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Other &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,282 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;329 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;7,011 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;3,178 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Total non-accrual loans &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 173,147 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 160,642 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt; &lt;/div&gt;</hrb:ScheduleOfNonAccrualLoansTableTextBlock>
  <hrb:ScheduleOfPastDueMortgageLoans contextRef="Duration_5_1_2011_To_1_31_2012">&lt;div&gt; &lt;div class="MetaData"&gt;

&lt;table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"&gt;
&lt;tr&gt;&lt;td style="width: 40%;"&gt; &lt;/td&gt;
&lt;td style="width: 57pt;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 50pt;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 47pt;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 47pt;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 47pt;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 47pt;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;&lt;b&gt; &lt;/b&gt;(in 000s)&lt;b&gt; &lt;/b&gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Less&amp;nbsp;than&amp;nbsp;60&lt;br /&gt;Days&amp;nbsp;Past&amp;nbsp;Due&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;60&amp;nbsp;&amp;#8211;89&amp;nbsp;Days&lt;br /&gt;Past Due&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;90+&amp;nbsp;Days&lt;br /&gt;Past&amp;nbsp;Due&lt;sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;"&gt;(1)&lt;/sup&gt;&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Total Past&lt;br /&gt;Due&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Current&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Total&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Purchased from SCC &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 28,876 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 6,159 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 141,247 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 176,282 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 147,840 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 324,122 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;All other &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;8,423 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,524 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;20,639 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;30,586 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;161,801 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;192,387 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 37,299 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 7,683 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 161,886 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 206,868 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 309,641 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 516,509 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;

&lt;p style="margin-left: 0%;" class="rfn"&gt;&amp;nbsp;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;&lt;sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;"&gt;(1)&lt;/sup&gt; &lt;/font&gt;&lt;font class="_mt"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;We do not accrue interest on loans past due 90 days or more. &lt;/font&gt;&lt;/font&gt;&lt;/p&gt;&lt;/div&gt; &lt;/div&gt;</hrb:ScheduleOfPastDueMortgageLoans>
  <hrb:ScheduleOfPortfolioBalanceAndRelatedAllowanceTextBlock contextRef="Duration_5_1_2011_To_1_31_2012">&lt;div&gt; &lt;table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="92%" align="center"&gt;
&lt;tr&gt;&lt;td style="width: 42%;"&gt; &lt;/td&gt;
&lt;td style="width: 71pt;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 47pt;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 61pt;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 67pt;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;(dollars&amp;nbsp;in&amp;nbsp;000s)&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Outstanding&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Loan&amp;nbsp;Loss&amp;nbsp;Allowance&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;%&amp;nbsp;30+&amp;nbsp;Days&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Principal&amp;nbsp;Balance&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Amount&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;%&amp;nbsp;of&amp;nbsp;Principal&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Past Due&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Purchased from SCC &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 324,122 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 77,373 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;23.9 %&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;47.1 %&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;All other &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;192,387 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;12,576 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;6.5 %&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;12.4 %&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 516,509 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 89,949 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;17.4 %&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;34.2 %&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt; &lt;/div&gt;</hrb:ScheduleOfPortfolioBalanceAndRelatedAllowanceTextBlock>
  <hrb:ScheduleOfPortfolioBalanceTextBlock contextRef="Duration_5_1_2011_To_1_31_2012">&lt;div&gt; &lt;table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="92%" align="center"&gt;
&lt;tr&gt;&lt;td style="width: 33%;"&gt; &lt;/td&gt;
&lt;td style="width: 71pt;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 76pt;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 71pt;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 76pt;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;(in 000s)&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;January&amp;nbsp;31, 2012&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;April&amp;nbsp;30, 2011&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="bottom" width="46%" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;As of&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Portfolio&amp;nbsp;Balance&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Related&amp;nbsp;Allowance&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Portfolio&amp;nbsp;Balance&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Related&amp;nbsp;Allowance&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Pooled (less than 60 days past due) &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 260,916 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 9,467 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 304,325 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 11,238 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Impaired:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Individually (TDRs) &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;84,443 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;9,011 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;106,328 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;11,056 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Individually (60 days or more past due) &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;171,150 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;71,471 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;162,321 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;69,793 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 516,509 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 89,949 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 572,974 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 92,087 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt; &lt;/div&gt;</hrb:ScheduleOfPortfolioBalanceTextBlock>
  <hrb:ScheduleOfRealEstatePropertiesNonPerformingAssetsTableTextBlock contextRef="Duration_5_1_2011_To_1_31_2012">&lt;div&gt; &lt;table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="76%" align="center"&gt;
&lt;tr&gt;&lt;td style="width: 55%;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 52pt;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 52pt;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;(in 000s)&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="bottom" width="78%" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Nine months ended January&amp;nbsp;31,&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;2012&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;2011&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Average impaired loans:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Purchased from SCC &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 224,002 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;All other &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;35,421 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 259,423 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 308,282 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Interest income on impaired loans:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Purchased from SCC &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 4,340 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;All other &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;348 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 4,688 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 4,975 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Interest income on impaired loans recognized on a cash basis on non-accrual status:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Purchased from SCC &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 4,182 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;All other &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;324 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 4,506 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 4,711 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt; &lt;/div&gt;</hrb:ScheduleOfRealEstatePropertiesNonPerformingAssetsTableTextBlock>
  <hrb:ScheduleOfReceivablesBasedOnYearOfOriginationTableTextBlock contextRef="Duration_5_1_2011_To_1_31_2012">&lt;div&gt; &lt;table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="76%" align="center"&gt;
&lt;tr&gt;&lt;td style="width: 46%;"&gt; &lt;/td&gt;
&lt;td style="width: 72pt;"&gt; &lt;/td&gt;
&lt;td style="width: 79pt;"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;(in 000s)&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Emerald&amp;nbsp;Advance&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Tax Client&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Lines&amp;nbsp;of&amp;nbsp;Credit&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Receivables&amp;nbsp;-&amp;nbsp;RALs&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Credit Quality Indicator &amp;#8211; Year of origination:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;2012 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 410,648 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ &amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;2011 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;21,913 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;2010 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;4,848 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;2009 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;4,866 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;2,034 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;2008 and prior &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;2,045 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;4,813 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Revolving loans &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;14,398 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 458,718 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 6,847 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt; &lt;/div&gt;</hrb:ScheduleOfReceivablesBasedOnYearOfOriginationTableTextBlock>
  <hrb:ScheduleOfShortTermReceivablesTableTextBlock contextRef="Duration_5_1_2011_To_1_31_2012">&lt;div&gt; &lt;table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="84%" align="center"&gt;
&lt;tr&gt;&lt;td style="width: 44%;"&gt; &lt;/td&gt;
&lt;td style="width: 69pt;"&gt; &lt;/td&gt;
&lt;td style="width: 69pt;"&gt; &lt;/td&gt;
&lt;td style="width: 61pt;"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;(in 000s)&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="bottom" width="60%" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;As of&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;January&amp;nbsp;31,&amp;nbsp;2012&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;January&amp;nbsp;31,&amp;nbsp;2011&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;April&amp;nbsp;30,&amp;nbsp;2011&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Emerald Advance lines of credit &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 443,717 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 674,317 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 31,645 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Receivables for tax preparation and related fees &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;333,636 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;280,364 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;38,930 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Royalties from franchisees &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;88,597 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;84,049 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;11,645 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Loans to franchisees &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;81,415 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;85,269 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;62,181 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Receivable from M&amp;amp;P &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;32,342 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;RAC fees receivable &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;28,942 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;51,704 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Tax client receivables related to RALs &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,727 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;4,874 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;2,412 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Other &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;89,665 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;95,732 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;131,302 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,100,041 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,276,309 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;278,115 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Allowance for doubtful accounts &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(64,139 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(102,837 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(47,943 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 1,035,902 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 1,173,472 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 230,172 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt; &lt;/div&gt;</hrb:ScheduleOfShortTermReceivablesTableTextBlock>
  <hrb:SeasonalityOfBusinessDisclosureTextBlock contextRef="Duration_5_1_2011_To_1_31_2012">&lt;div&gt; &lt;div class="MetaData"&gt;

&lt;p style="margin-top: 18px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Seasonality of Business &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 6px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;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.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt; &lt;/div&gt;</hrb:SeasonalityOfBusinessDisclosureTextBlock>
  <hrb:SellingGeneralAdministrativeAndGoodwillImpairmentExpense contextRef="Duration_5_1_2010_To_1_31_2011" unitRef="Unit13" decimals="-3">372901000</hrb:SellingGeneralAdministrativeAndGoodwillImpairmentExpense>
  <hrb:SellingGeneralAdministrativeAndGoodwillImpairmentExpense contextRef="Duration_5_1_2010_To_1_31_2011_dei_LegalEntityAxis_hrb_BfcIssuerMember" unitRef="Unit13" decimals="-3">21689000</hrb:SellingGeneralAdministrativeAndGoodwillImpairmentExpense>
  <hrb:SellingGeneralAdministrativeAndGoodwillImpairmentExpense contextRef="Duration_5_1_2010_To_1_31_2011_dei_LegalEntityAxis_us-gaap_SubsidiariesMember" unitRef="Unit13" decimals="-3">351212000</hrb:SellingGeneralAdministrativeAndGoodwillImpairmentExpense>
  <hrb:SellingGeneralAdministrativeAndGoodwillImpairmentExpense contextRef="Duration_11_1_2010_To_1_31_2011" unitRef="Unit13" decimals="-3">213339000</hrb:SellingGeneralAdministrativeAndGoodwillImpairmentExpense>
  <hrb:SellingGeneralAdministrativeAndGoodwillImpairmentExpense contextRef="Duration_11_1_2010_To_1_31_2011_dei_LegalEntityAxis_hrb_BfcIssuerMember" unitRef="Unit13" decimals="-3">10220000</hrb:SellingGeneralAdministrativeAndGoodwillImpairmentExpense>
  <hrb:SellingGeneralAdministrativeAndGoodwillImpairmentExpense contextRef="Duration_11_1_2010_To_1_31_2011_dei_LegalEntityAxis_us-gaap_SubsidiariesMember" unitRef="Unit13" decimals="-3">203119000</hrb:SellingGeneralAdministrativeAndGoodwillImpairmentExpense>
  <hrb:SellingGeneralAdministrativeAndGoodwillImpairmentExpense contextRef="Duration_5_1_2011_To_1_31_2012" unitRef="Unit13" decimals="-3">412401000</hrb:SellingGeneralAdministrativeAndGoodwillImpairmentExpense>
  <hrb:SellingGeneralAdministrativeAndGoodwillImpairmentExpense contextRef="Duration_5_1_2011_To_1_31_2012_dei_LegalEntityAxis_hrb_BfcIssuerMember" unitRef="Unit13" decimals="-3">24044000</hrb:SellingGeneralAdministrativeAndGoodwillImpairmentExpense>
  <hrb:SellingGeneralAdministrativeAndGoodwillImpairmentExpense contextRef="Duration_5_1_2011_To_1_31_2012_dei_LegalEntityAxis_us-gaap_SubsidiariesMember" unitRef="Unit13" decimals="-3">388357000</hrb:SellingGeneralAdministrativeAndGoodwillImpairmentExpense>
  <hrb:SellingGeneralAdministrativeAndGoodwillImpairmentExpense contextRef="Duration_11_1_2011_To_1_31_2012" unitRef="Unit13" decimals="-3">211736000</hrb:SellingGeneralAdministrativeAndGoodwillImpairmentExpense>
  <hrb:SellingGeneralAdministrativeAndGoodwillImpairmentExpense contextRef="Duration_11_1_2011_To_1_31_2012_dei_LegalEntityAxis_hrb_BfcIssuerMember" unitRef="Unit13" decimals="-3">9705000</hrb:SellingGeneralAdministrativeAndGoodwillImpairmentExpense>
  <hrb:SellingGeneralAdministrativeAndGoodwillImpairmentExpense contextRef="Duration_11_1_2011_To_1_31_2012_dei_LegalEntityAxis_us-gaap_SubsidiariesMember" unitRef="Unit13" decimals="-3">202031000</hrb:SellingGeneralAdministrativeAndGoodwillImpairmentExpense>
  <hrb:SeveranceBenefitsClaim contextRef="As_Of_1_31_2012" unitRef="Unit13" decimals="-6">8000000</hrb:SeveranceBenefitsClaim>
  <hrb:ShareBasedCompensationShareBasedPaymentAwardEquityInstrumentsOptionsGrantsInPeriodWeightedAverageGrantDateFairValue contextRef="Duration_5_1_2011_To_1_31_2012" unitRef="Unit13" decimals="-4">3360000</hrb:ShareBasedCompensationShareBasedPaymentAwardEquityInstrumentsOptionsGrantsInPeriodWeightedAverageGrantDateFairValue>
  <hrb:StandardGuaranteeAccrualAmount contextRef="As_Of_4_30_2011" unitRef="Unit13" decimals="-5">14700000</hrb:StandardGuaranteeAccrualAmount>
  <hrb:StandardGuaranteeAccrualAmount contextRef="As_Of_1_31_2012" unitRef="Unit13" decimals="-5">12500000</hrb:StandardGuaranteeAccrualAmount>
  <hrb:TotalLoansToTotalLoans contextRef="As_Of_4_30_2011" unitRef="Unit12" decimals="2">1.00</hrb:TotalLoansToTotalLoans>
  <hrb:TotalLoansToTotalLoans contextRef="As_Of_1_31_2012" unitRef="Unit12" decimals="2">1.00</hrb:TotalLoansToTotalLoans>
  <hrb:UnrecognizedTaxBenefitsIncreaseResultingDueToAccrualsOfTaxPositions contextRef="Duration_5_1_2011_To_1_31_2012" unitRef="Unit13" decimals="-5">44400000</hrb:UnrecognizedTaxBenefitsIncreaseResultingDueToAccrualsOfTaxPositions>
  <hrb:ValueOfLoansWhichHaveDefaultedInFirstTwoYears contextRef="As_Of_4_30_2005" unitRef="Unit13" decimals="-8">4000000000</hrb:ValueOfLoansWhichHaveDefaultedInFirstTwoYears>
  <hrb:ValueOfLoansWhichHaveDefaultedInFirstTwoYears contextRef="As_Of_4_30_2006" unitRef="Unit13" decimals="-8">6300000000</hrb:ValueOfLoansWhichHaveDefaultedInFirstTwoYears>
  <hrb:ValueOfLoansWhichHaveDefaultedInFirstTwoYears contextRef="As_Of_4_30_2007" unitRef="Unit13" decimals="-8">2900000000</hrb:ValueOfLoansWhichHaveDefaultedInFirstTwoYears>
  <us-gaap:AccountsReceivableNetCurrent contextRef="As_Of_1_31_2011" unitRef="Unit13" decimals="-3">1173472000</us-gaap:AccountsReceivableNetCurrent>
  <us-gaap:AccountsReceivableNetCurrent contextRef="As_Of_4_30_2011" unitRef="Unit13" decimals="-3">230172000</us-gaap:AccountsReceivableNetCurrent>
  <us-gaap:AccountsReceivableNetCurrent contextRef="As_Of_4_30_2011_dei_LegalEntityAxis_hrb_BfcIssuerMember" unitRef="Unit13" decimals="-3">102011000</us-gaap:AccountsReceivableNetCurrent>
  <us-gaap:AccountsReceivableNetCurrent contextRef="As_Of_4_30_2011_dei_LegalEntityAxis_us-gaap_ParentCompanyMember" unitRef="Unit13" decimals="-3">88000</us-gaap:AccountsReceivableNetCurrent>
  <us-gaap:AccountsReceivableNetCurrent contextRef="As_Of_4_30_2011_dei_LegalEntityAxis_us-gaap_SubsidiariesMember" unitRef="Unit13" decimals="-3">128073000</us-gaap:AccountsReceivableNetCurrent>
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  <us-gaap:AvailableforsaleSecuritiesGrossUnrealizedGain contextRef="As_Of_1_31_2012_us-gaap_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_MunicipalBondsMember_us-gaap_ScheduleOfFairValueOfSeparateAccountsByMajorCategoryOfInvestmentAxis_us-gaap_ShortTermInvestmentsMember" unitRef="Unit13" decimals="-3">3000</us-gaap:AvailableforsaleSecuritiesGrossUnrealizedGain>
  <us-gaap:AvailableForSaleSecuritiesGrossUnrealizedLosses1 id="Item-0061" contextRef="As_Of_4_30_2011" unitRef="Unit13" decimals="-3">194000</us-gaap:AvailableForSaleSecuritiesGrossUnrealizedLosses1>
  <us-gaap:AvailableForSaleSecuritiesGrossUnrealizedLosses1 id="Item-0059" contextRef="As_Of_4_30_2011_us-gaap_ScheduleOfFairValueOfSeparateAccountsByMajorCategoryOfInvestmentAxis_us-gaap_OtherLongTermInvestmentsMember" unitRef="Unit13" decimals="-3">194000</us-gaap:AvailableForSaleSecuritiesGrossUnrealizedLosses1>
  <us-gaap:AvailableForSaleSecuritiesGrossUnrealizedLosses1 id="Item-0055" contextRef="As_Of_4_30_2011_us-gaap_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_MortgageBackedSecuritiesMember_us-gaap_ScheduleOfFairValueOfSeparateAccountsByMajorCategoryOfInvestmentAxis_us-gaap_OtherLongTermInvestmentsMember" unitRef="Unit13" decimals="-3">194000</us-gaap:AvailableForSaleSecuritiesGrossUnrealizedLosses1>
  <us-gaap:AvailableForSaleSecuritiesGrossUnrealizedLosses1 id="Item-0060" contextRef="As_Of_1_31_2012" unitRef="Unit13" decimals="-3">287000</us-gaap:AvailableForSaleSecuritiesGrossUnrealizedLosses1>
  <us-gaap:AvailableForSaleSecuritiesGrossUnrealizedLosses1 id="Item-0058" contextRef="As_Of_1_31_2012_us-gaap_ScheduleOfFairValueOfSeparateAccountsByMajorCategoryOfInvestmentAxis_us-gaap_OtherLongTermInvestmentsMember" unitRef="Unit13" decimals="-3">287000</us-gaap:AvailableForSaleSecuritiesGrossUnrealizedLosses1>
  <us-gaap:AvailableForSaleSecuritiesGrossUnrealizedLosses1 id="Item-0054" contextRef="As_Of_1_31_2012_us-gaap_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis_us-gaap_MortgageBackedSecuritiesMember_us-gaap_ScheduleOfFairValueOfSeparateAccountsByMajorCategoryOfInvestmentAxis_us-gaap_OtherLongTermInvestmentsMember" unitRef="Unit13" decimals="-3">287000</us-gaap:AvailableForSaleSecuritiesGrossUnrealizedLosses1>
  <us-gaap:AvailableForSaleSecuritiesNoncurrent contextRef="As_Of_4_30_2011" unitRef="Unit13" decimals="-3">163836000</us-gaap:AvailableForSaleSecuritiesNoncurrent>
  <us-gaap:AvailableForSaleSecuritiesNoncurrent contextRef="As_Of_1_31_2012" unitRef="Unit13" decimals="-3">312183000</us-gaap:AvailableForSaleSecuritiesNoncurrent>
  <us-gaap:AvailableForSaleSecuritiesTextBlock contextRef="Duration_5_1_2011_To_1_31_2012">&lt;div&gt; &lt;p style="margin-top: 12px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&lt;b&gt;5. Investments in Available-for-Sale Securities&lt;/b&gt; &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 6px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;The amortized cost and fair value of securities classified as available-for-sale (AFS) held at January 31, 2012 and April 30, 2011 are summarized below: &lt;/font&gt;&lt;/p&gt;

&lt;p style="padding-bottom: 0px; margin-top: 0px; margin-bottom: 0px; margin-left: 2%;"&gt; &lt;/p&gt;&amp;nbsp;

&lt;div class="MetaData"&gt;

&lt;table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"&gt;
&lt;tr&gt;&lt;td style="width: 30%;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 44pt;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 45pt;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 45pt;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 40pt;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 44pt;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 45pt;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 45pt;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 40pt;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;(in 000s)&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="4" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;January&amp;nbsp;31, 2012&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="4" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;April&amp;nbsp;30,&amp;nbsp;2011&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Gross&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Gross&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Gross&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Gross&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Amortized&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Unrealized&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Unrealized&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Fair&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Amortized&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Unrealized&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Unrealized&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Fair&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="bottom" width="45%"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;&lt;u&gt;As of&lt;/u&gt;&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Cost&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Gains&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Losses&lt;sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;"&gt; (1)&lt;/sup&gt;&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Value&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Cost&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Gains&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Losses&lt;sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;"&gt; (1)&lt;/sup&gt;&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Value&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Short-term:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Municipal bonds &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;$ 2,001 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;$ 3 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;$ &amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;$ 2,004 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;$ 3,023 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;$ 58 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;$ &amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;$ 3,081 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Long-term:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Mortgage-backed securities &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;303,519 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;3,243 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;(287 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;306,475 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;157,970 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;401 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;(194 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;158,177 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Municipal bonds &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;5,260 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;448 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;5,708 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;5,312 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;347 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;5,659 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;308,779 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;3,691 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;(287 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;312,183 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;163,282 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;748 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;(194 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;163,836 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Total &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;$ 310,780 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;$ 3,694 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;$ (287 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;$ 314,187 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;$ 166,305 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;$ 806 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;$ (194 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;$ 166,917 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;

&lt;p style="padding-bottom: 0px; margin-top: 0px; margin-bottom: 0px; margin-left: 2%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;&lt;sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;"&gt; &lt;/sup&gt;&lt;/font&gt;&amp;nbsp;&lt;/p&gt;

&lt;div class="MetaData"&gt;

&lt;p style="padding-bottom: 0px; margin-top: 0px; margin-bottom: 0px; margin-left: 2%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;&lt;sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;"&gt;(1)&lt;/sup&gt;&amp;nbsp;&lt;/font&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&lt;font class="_mt"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;At January 31, 2012 and April 30, 2011, we had&amp;nbsp;&lt;font class="_mt"&gt;no&lt;/font&gt; investments that had been in a continuous loss position for more than twelve months.&lt;/font&gt;&lt;/font&gt; &lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;/div&gt;

&lt;p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;We did not record any other-than-temporary impairments of AFS securities during the three or nine months ended January 31, 2012. During the three and nine months ended January 31, 2011, we recorded other-than-temporary impairments of AFS securities totaling $&lt;font class="_mt"&gt;1.5&lt;/font&gt; million and $&lt;font class="_mt"&gt;1.9&lt;/font&gt; million, respectively, as a result of an assessment that it was probable we would not collect all amounts due or an assessment that we would not be able to hold the investments until potential recovery of market value. &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 6px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Contractual maturities of AFS debt securities at January 31, 2012, occur at varying dates over the next 30 years, and are set forth in the table below. &lt;/font&gt;&lt;/p&gt;

&lt;table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="76%" align="center"&gt;
&lt;tr&gt;&lt;td style="width: 55%;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 52pt;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 52pt;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;&lt;b&gt; &lt;/b&gt;(in 000s)&lt;b&gt; &lt;/b&gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Cost Basis&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Fair Value&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Maturing in:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Less than one year &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 2,001 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 2,004 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Two to five years &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;4,204 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;4,502 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Six to ten years &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,056 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,206 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Beyond &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;303,519 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;306,475 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 310,780 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 314,187 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt; &lt;/div&gt;</us-gaap:AvailableForSaleSecuritiesTextBlock>
  <us-gaap:BasisOfPresentationAndSignificantAccountingPoliciesTextBlock contextRef="Duration_5_1_2011_To_1_31_2012">&lt;div&gt; &lt;div class="MetaData"&gt;

&lt;div&gt;

&lt;p style="margin-top: 6px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Basis of Presentation &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 6px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;The condensed consolidated balance sheet as of January 31, 2012, the condensed consolidated statements of operations and comprehensive income (loss) for the three and nine months ended January 31, 2012 and 2011, and the condensed consolidated statements of cash flows for the nine months ended January 31, 2012 and 2011 have been prepared by the Company, without audit. In the opinion of management, all adjustments, which include only normal recurring adjustments, necessary to present fairly the financial position, results of operations and cash flows at January 31, 2012 and for all periods presented have been made. See below for discussion of our presentation of discontinued operations. &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;"H&amp;amp;R Block," "the Company," "we," "our" and "us" are used interchangeably to refer to H&amp;amp;R Block, Inc. or to H&amp;amp;R Block, Inc. and its subsidiaries, as appropriate to the context. &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;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.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:BasisOfPresentationAndSignificantAccountingPoliciesTextBlock>
  <us-gaap:BusinessAcquisitionContingentConsiderationAtFairValue contextRef="As_Of_4_30_2011" unitRef="Unit13" decimals="-5">11000000</us-gaap:BusinessAcquisitionContingentConsiderationAtFairValue>
  <us-gaap:BusinessAcquisitionContingentConsiderationAtFairValue contextRef="As_Of_1_31_2012" unitRef="Unit13" decimals="-5">8200000</us-gaap:BusinessAcquisitionContingentConsiderationAtFairValue>
  <us-gaap:Capital id="Item-0007" contextRef="As_Of_3_31_2011" unitRef="Unit13" decimals="-3">405000000</us-gaap:Capital>
  <us-gaap:Capital id="Item-0001" contextRef="As_Of_12_31_2011" unitRef="Unit13" decimals="-3">411163000</us-gaap:Capital>
  <us-gaap:CapitalRequiredForCapitalAdequacy id="Item-0009" contextRef="As_Of_3_31_2011" unitRef="Unit13" decimals="-3">35019000</us-gaap:CapitalRequiredForCapitalAdequacy>
  <us-gaap:CapitalRequiredForCapitalAdequacy id="Item-0003" contextRef="As_Of_12_31_2011" unitRef="Unit13" decimals="-3">67407000</us-gaap:CapitalRequiredForCapitalAdequacy>
  <us-gaap:CapitalRequiredForCapitalAdequacyToRiskWeightedAssets id="Item-0010" contextRef="As_Of_3_31_2011" unitRef="Unit12" decimals="4">0.0800</us-gaap:CapitalRequiredForCapitalAdequacyToRiskWeightedAssets>
  <us-gaap:CapitalRequiredForCapitalAdequacyToRiskWeightedAssets id="Item-0004" contextRef="As_Of_12_31_2011" unitRef="Unit12" decimals="3">0.080</us-gaap:CapitalRequiredForCapitalAdequacyToRiskWeightedAssets>
  <us-gaap:CapitalRequiredToBeWellCapitalized id="Item-0011" contextRef="As_Of_3_31_2011" unitRef="Unit13" decimals="-3">43773000</us-gaap:CapitalRequiredToBeWellCapitalized>
  <us-gaap:CapitalRequiredToBeWellCapitalized id="Item-0005" contextRef="As_Of_12_31_2011" unitRef="Unit13" decimals="-3">84258000</us-gaap:CapitalRequiredToBeWellCapitalized>
  <us-gaap:CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets id="Item-0012" contextRef="As_Of_3_31_2011" unitRef="Unit12" decimals="3">0.100</us-gaap:CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets>
  <us-gaap:CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets id="Item-0006" contextRef="As_Of_12_31_2011" unitRef="Unit12" decimals="3">0.100</us-gaap:CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets>
  <us-gaap:CapitalToRiskWeightedAssets id="Item-0008" contextRef="As_Of_3_31_2011" unitRef="Unit12" decimals="3">0.925</us-gaap:CapitalToRiskWeightedAssets>
  <us-gaap:CapitalToRiskWeightedAssets id="Item-0002" contextRef="As_Of_12_31_2011" unitRef="Unit12" decimals="3">0.488</us-gaap:CapitalToRiskWeightedAssets>
  <us-gaap:CashAndCashEquivalentsAtCarryingValue contextRef="As_Of_4_30_2010" unitRef="Unit13" decimals="-3">1804045000</us-gaap:CashAndCashEquivalentsAtCarryingValue>
  <us-gaap:CashAndCashEquivalentsAtCarryingValue contextRef="As_Of_4_30_2010_dei_LegalEntityAxis_hrb_BfcIssuerMember" unitRef="Unit13" decimals="-3">702021000</us-gaap:CashAndCashEquivalentsAtCarryingValue>
  <us-gaap:CashAndCashEquivalentsAtCarryingValue contextRef="As_Of_4_30_2010_dei_LegalEntityAxis_us-gaap_BusinessIntersegmentEliminationsMember" unitRef="Unit13" decimals="-3">-111000</us-gaap:CashAndCashEquivalentsAtCarryingValue>
  <us-gaap:CashAndCashEquivalentsAtCarryingValue contextRef="As_Of_4_30_2010_dei_LegalEntityAxis_us-gaap_SubsidiariesMember" unitRef="Unit13" decimals="-3">1102135000</us-gaap:CashAndCashEquivalentsAtCarryingValue>
  <us-gaap:CashAndCashEquivalentsAtCarryingValue contextRef="As_Of_1_31_2011" unitRef="Unit13" decimals="-3">1465690000</us-gaap:CashAndCashEquivalentsAtCarryingValue>
  <us-gaap:CashAndCashEquivalentsAtCarryingValue contextRef="As_Of_1_31_2011_dei_LegalEntityAxis_hrb_BfcIssuerMember" unitRef="Unit13" decimals="-3">1289689000</us-gaap:CashAndCashEquivalentsAtCarryingValue>
  <us-gaap:CashAndCashEquivalentsAtCarryingValue contextRef="As_Of_1_31_2011_dei_LegalEntityAxis_us-gaap_BusinessIntersegmentEliminationsMember" unitRef="Unit13" decimals="-3">-1319000</us-gaap:CashAndCashEquivalentsAtCarryingValue>
  <us-gaap:CashAndCashEquivalentsAtCarryingValue contextRef="As_Of_1_31_2011_dei_LegalEntityAxis_us-gaap_SubsidiariesMember" unitRef="Unit13" decimals="-3">177320000</us-gaap:CashAndCashEquivalentsAtCarryingValue>
  <us-gaap:CashAndCashEquivalentsAtCarryingValue contextRef="As_Of_4_30_2011" unitRef="Unit13" decimals="-3">1677844000</us-gaap:CashAndCashEquivalentsAtCarryingValue>
  <us-gaap:CashAndCashEquivalentsAtCarryingValue contextRef="As_Of_4_30_2011_dei_LegalEntityAxis_hrb_BfcIssuerMember" unitRef="Unit13" decimals="-3">616238000</us-gaap:CashAndCashEquivalentsAtCarryingValue>
  <us-gaap:CashAndCashEquivalentsAtCarryingValue contextRef="As_Of_4_30_2011_dei_LegalEntityAxis_us-gaap_BusinessIntersegmentEliminationsMember" unitRef="Unit13" decimals="-3">-50000</us-gaap:CashAndCashEquivalentsAtCarryingValue>
  <us-gaap:CashAndCashEquivalentsAtCarryingValue contextRef="As_Of_4_30_2011_dei_LegalEntityAxis_us-gaap_SubsidiariesMember" unitRef="Unit13" decimals="-3">1061656000</us-gaap:CashAndCashEquivalentsAtCarryingValue>
  <us-gaap:CashAndCashEquivalentsAtCarryingValue contextRef="As_Of_1_31_2012" unitRef="Unit13" decimals="-3">1218984000</us-gaap:CashAndCashEquivalentsAtCarryingValue>
  <us-gaap:CashAndCashEquivalentsAtCarryingValue contextRef="As_Of_1_31_2012_dei_LegalEntityAxis_hrb_BfcIssuerMember" unitRef="Unit13" decimals="-3">1065448000</us-gaap:CashAndCashEquivalentsAtCarryingValue>
  <us-gaap:CashAndCashEquivalentsAtCarryingValue contextRef="As_Of_1_31_2012_dei_LegalEntityAxis_us-gaap_BusinessIntersegmentEliminationsMember" unitRef="Unit13" decimals="-3">-289000</us-gaap:CashAndCashEquivalentsAtCarryingValue>
  <us-gaap:CashAndCashEquivalentsAtCarryingValue contextRef="As_Of_1_31_2012_dei_LegalEntityAxis_us-gaap_SubsidiariesMember" unitRef="Unit13" decimals="-3">153825000</us-gaap:CashAndCashEquivalentsAtCarryingValue>
  <us-gaap:CashAndCashEquivalentsPeriodIncreaseDecrease contextRef="Duration_5_1_2010_To_1_31_2011" unitRef="Unit13" decimals="-3">-338355000</us-gaap:CashAndCashEquivalentsPeriodIncreaseDecrease>
  <us-gaap:CashAndCashEquivalentsPeriodIncreaseDecrease contextRef="Duration_5_1_2010_To_1_31_2011_dei_LegalEntityAxis_hrb_BfcIssuerMember" unitRef="Unit13" decimals="-3">587668000</us-gaap:CashAndCashEquivalentsPeriodIncreaseDecrease>
  <us-gaap:CashAndCashEquivalentsPeriodIncreaseDecrease contextRef="Duration_5_1_2010_To_1_31_2011_dei_LegalEntityAxis_us-gaap_BusinessIntersegmentEliminationsMember" unitRef="Unit13" decimals="-3">-1208000</us-gaap:CashAndCashEquivalentsPeriodIncreaseDecrease>
  <us-gaap:CashAndCashEquivalentsPeriodIncreaseDecrease contextRef="Duration_5_1_2010_To_1_31_2011_dei_LegalEntityAxis_us-gaap_SubsidiariesMember" unitRef="Unit13" decimals="-3">-924815000</us-gaap:CashAndCashEquivalentsPeriodIncreaseDecrease>
  <us-gaap:CashAndCashEquivalentsPeriodIncreaseDecrease contextRef="Duration_5_1_2011_To_1_31_2012" unitRef="Unit13" decimals="-3">-458860000</us-gaap:CashAndCashEquivalentsPeriodIncreaseDecrease>
  <us-gaap:CashAndCashEquivalentsPeriodIncreaseDecrease contextRef="Duration_5_1_2011_To_1_31_2012_dei_LegalEntityAxis_hrb_BfcIssuerMember" unitRef="Unit13" decimals="-3">449210000</us-gaap:CashAndCashEquivalentsPeriodIncreaseDecrease>
  <us-gaap:CashAndCashEquivalentsPeriodIncreaseDecrease contextRef="Duration_5_1_2011_To_1_31_2012_dei_LegalEntityAxis_us-gaap_BusinessIntersegmentEliminationsMember" unitRef="Unit13" decimals="-3">-239000</us-gaap:CashAndCashEquivalentsPeriodIncreaseDecrease>
  <us-gaap:CashAndCashEquivalentsPeriodIncreaseDecrease contextRef="Duration_5_1_2011_To_1_31_2012_dei_LegalEntityAxis_us-gaap_SubsidiariesMember" unitRef="Unit13" decimals="-3">-907831000</us-gaap:CashAndCashEquivalentsPeriodIncreaseDecrease>
  <us-gaap:CommercialPaper contextRef="As_Of_1_31_2012" unitRef="Unit13" decimals="-3">230947000</us-gaap:CommercialPaper>
  <us-gaap:CommercialPaper contextRef="As_Of_1_31_2012_dei_LegalEntityAxis_hrb_BfcIssuerMember" unitRef="Unit13" decimals="-3">230947000</us-gaap:CommercialPaper>
  <us-gaap:CommercialPaperNoncurrent contextRef="As_Of_1_31_2011" unitRef="Unit13" decimals="-3">632566000</us-gaap:CommercialPaperNoncurrent>
  <us-gaap:CommercialPaperNoncurrent contextRef="As_Of_1_31_2012" unitRef="Unit13" decimals="-3">230947000</us-gaap:CommercialPaperNoncurrent>
  <us-gaap:CommitmentsAndContingencies xsi:nil="true" contextRef="As_Of_4_30_2011" unitRef="Unit13" />
  <us-gaap:CommitmentsAndContingencies xsi:nil="true" contextRef="As_Of_1_31_2012" unitRef="Unit13" />
  <us-gaap:CommitmentsAndContingenciesDisclosureTextBlock contextRef="Duration_5_1_2011_To_1_31_2012">&lt;div&gt; &lt;p style="margin-top: 18px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&lt;b&gt;12. Commitments and Contingencies &lt;/b&gt;&lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 6px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;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: &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px; font-size: 12px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="76%" align="center"&gt;
&lt;tr&gt;&lt;td style="width: 55%;"&gt; &lt;/td&gt;
&lt;td style="width: 52pt;"&gt; &lt;/td&gt;
&lt;td style="width: 52pt;"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;(in 000s)&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="bottom" width="78%" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Nine months ended January&amp;nbsp;31,&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;2012&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;2011&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Balance, beginning of period &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 140,603 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 141,542 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Amounts deferred for new guarantees issued &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;19,471 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;19,376 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Revenue recognized on previous deferrals &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(57,254 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(59,882 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Balance, end of period &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 102,820 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 101,036 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;

&lt;p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;In addition to amounts accrued for our POM guarantee, we had accrued $&lt;font class="_mt"&gt;12.5&lt;/font&gt; million and $&lt;font class="_mt"&gt;14.7&lt;/font&gt; million at January 31, 2012 and April 30, 2011, respectively, related to our standard guarantee which is included with our standard tax preparation services. &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;The following table summarizes certain of our other contractual obligations and commitments: &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px; font-size: 12px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="76%" align="center"&gt;
&lt;tr&gt;&lt;td style="width: 50%;"&gt; &lt;/td&gt;
&lt;td style="width: 69pt;"&gt; &lt;/td&gt;
&lt;td style="width: 61pt;"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;(in 000s)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="bottom" width="70%" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;As of&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;January&amp;nbsp;31,&amp;nbsp;2012&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;April&amp;nbsp;30,&amp;nbsp;2011&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Franchise Equity Lines of Credit &amp;#8211; undrawn commitment &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 22,209 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 37,695 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Media advertising purchase obligation &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;5,714 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;9,498 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;

&lt;p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;We have recorded liabilities totaling $&lt;font class="_mt"&gt;8.2&lt;/font&gt; million and $&lt;font class="_mt"&gt;11.0&lt;/font&gt; million as of January 31, 2012 and April 30, 2011, respectively, in conjunction with contingent payments related to recent acquisitions of our continuing operations, with the short-term amount recorded in accounts payable, accrued expenses and deposits and the long-term portion included in other noncurrent liabilities. Our estimate is based on current financial conditions. Should actual results differ materially from our assumptions, the potential payments will differ from the above estimate. &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;We routinely enter into contracts that include embedded indemnifications that have characteristics similar to guarantees. Guarantees and indemnifications of the Company and its subsidiaries include obligations to protect counterparties from losses arising from the following: (1) tax, legal and other risks related to the purchase or disposition of businesses; (2) penalties and interest assessed by federal and state taxing authorities in connection with tax returns prepared for clients; (3) indemnification of our directors and officers; and (4) third-party claims relating to various arrangements in the normal course of business. Typically, there is no stated maximum payment related to these indemnifications, and the terms of the indemnities may vary and in many cases are limited only by the applicable statute of limitations. The likelihood of any claims being asserted against us and the ultimate liability related to any such claims, if any, is difficult to predict. While we cannot provide assurance we will ultimately prevail in the event any such claims are asserted, we believe the fair value of guarantees and indemnifications relating to our continuing operations is not material as of January 31, 2012. &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 18px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Variable Interests &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 6px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;We evaluated our financial interests in variable interest entities (VIEs) as of January 31, 2012 and determined that, other than the changes related to the sale of RSM, there have been no significant changes related to those financial interests. &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 12px; margin-bottom: 0px; font-size: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp;&amp;nbsp; Discontinued Operations &amp;#8211; Representation and Warranty Obligations &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 6px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;SCC ceased originating mortgage loans in December 2007 and, in April 2008, sold its servicing assets and discontinued its remaining operations. The sale of servicing assets did not include the sale of any mortgage loans. &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;In connection with the sale of loans and/or residential mortgage-backed securities (RMBS), SCC made certain representations and warranties, including, but not limited to, representations relating to matters such as ownership of the loan, validity of the lien securing the loan, borrower fraud and the loan's compliance with SCC's underwriting criteria. Representations and warranties related to borrower fraud in whole loan sale transactions to institutional investors, which represented approximately &lt;font class="_mt"&gt;68&lt;/font&gt;% of the disposal of originated loans, included a "knowledge qualifier" which limits SCC's liability to those instances where SCC had knowledge of the fraud at the time the loans were sold. Representations and warranties made in other sale transactions did not include a knowledge qualifier. In the event that there is a breach of a representation and warranty and such breach materially and adversely affects the value of a mortgage loan or a securitization insurer's or bondholders' interest in the mortgage loan, SCC may be obligated to repurchase the loan or otherwise indemnify certain parties for losses incurred in connection with loan liquidation. Generally, repurchase requests are not subject to a stated term, but actions to enforce a repurchase obligation would be subject to the applicable statutes of limitations. &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Representation and warranty claims received by SCC have primarily related to alleged breaches of representations and warranties related to a loan's compliance with the underwriting standards established by SCC at origination and borrower fraud. Claims received since May 1, 2008 are as follows: &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px; font-size: 12px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"&gt;
&lt;tr&gt;&lt;td style="width: 29%;"&gt; &lt;/td&gt;
&lt;td style="width: 36pt;"&gt; &lt;/td&gt;
&lt;td style="width: 26pt;"&gt; &lt;/td&gt;
&lt;td style="width: 22pt;"&gt; &lt;/td&gt;
&lt;td style="width: 26pt;"&gt; &lt;/td&gt;
&lt;td style="width: 26pt;"&gt; &lt;/td&gt;
&lt;td style="width: 26pt;"&gt; &lt;/td&gt;
&lt;td style="width: 22pt;"&gt; &lt;/td&gt;
&lt;td style="width: 26pt;"&gt; &lt;/td&gt;
&lt;td style="width: 22pt;"&gt; &lt;/td&gt;
&lt;td style="width: 26pt;"&gt; &lt;/td&gt;
&lt;td style="width: 26pt;"&gt; &lt;/td&gt;
&lt;td style="width: 22pt;"&gt; &lt;/td&gt;
&lt;td style="width: 49pt;"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;(in&amp;nbsp;millions)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Fiscal&amp;nbsp;Year&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="4" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Fiscal&amp;nbsp;Year&amp;nbsp;2010&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="4" align="center"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Fiscal&amp;nbsp;Year&amp;nbsp;2011&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="3" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Fiscal&amp;nbsp;Year&amp;nbsp;2012&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;2009&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Q1&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Q2&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Q3&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Q4&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Q1&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Q2&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Q3&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Q4&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Q1&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Q2&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Q3&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Total&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Loan Origination Year:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;2005 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;$ 62 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;$ &amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;$ 15 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;$ &amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;$ &amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;$ 6 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;$ 1 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;$ &amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;$ 1 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;$ &amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;$ &amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;$ 4 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;$ 89 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;2006 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;217 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;2 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;57 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;4 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;45 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;100 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;15 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;29 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;50 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;29 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;130 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;29 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;707 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;2007 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;153 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;4 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;11 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;7 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;3 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;5 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;4 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;4 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;2 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;353 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;2 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;548 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Total &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;$ 432 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;$ 6 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;$ 83 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;$ 11 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;$ 45 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;$ 109 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;$ 21 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;$ 33 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;$ 55 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;$ 31 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;$ 483 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;$ 35 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;$ 1,344 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;

&lt;p style="margin-left: 0%;" class="rfn"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Note: &amp;nbsp;&amp;nbsp;The table above excludes amounts related to an indemnity agreement dated April 2008, which is discussed below. &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;SCC received $&lt;font class="_mt"&gt;35&lt;/font&gt; million in claims in the third quarter of fiscal year 2012, most of which were asserted by a private-label securitization trustee on behalf of bondholders ($&lt;font class="_mt"&gt;29&lt;/font&gt; million) with the remainder asserted by monoline insurers ($&lt;font class="_mt"&gt;6&lt;/font&gt; million). The nature of the claims and the characteristics of the loans to which they relate, including loan vintage, loan performance characteristics, and alleged breaches of representations and warranties, are generally consistent with claims received in prior periods. The amount of claims received varies from period to period, and these variances have been and are expected to continue to fluctuate substantially. Although there is no certainty regarding future claims volume, expiring statutes of limitations and developments in securities litigation and other proceedings to which we are not a party could impact claim volumes during upcoming periods. SCC believes that claim volumes fluctuate in relation to the volume of requests from third parties for access to loan files managed by the party that services the majority of the outstanding SCC-originated loans. SCC and the servicer are currently in a legal dispute over the manner in which the servicer provides that access and the results of the dispute could impact the loan file access of third parties. &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;For claims received, reviewed and determined to be valid or otherwise settled, SCC has complied with its obligations by either repurchasing the mortgage loans or related collateral, reimbursing losses in connection with liquidated collateral, or reaching other settlements. Since May 2008, SCC has denied approximately &lt;font class="_mt"&gt;88&lt;/font&gt;% of all claims reviewed, excluding loans covered by other settlements. Of claims determined to be valid, approximately &lt;font class="_mt"&gt;22&lt;/font&gt;% resulted in loan repurchases and &lt;font class="_mt"&gt;78&lt;/font&gt;% resulted in reimbursement or settlement payments. Losses on loan repurchase, indemnification and settlement payments totaled approximately $&lt;font class="_mt"&gt;120&lt;/font&gt; million for the period May 1, 2008 through January 31, 2012. Loss severity rates on repurchases and indemnification have approximated &lt;font class="_mt"&gt;59&lt;/font&gt;% 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 $&lt;font class="_mt"&gt;10.6&lt;/font&gt; million at January 31, 2012. &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;SCC generally has&amp;nbsp;&lt;font class="_mt"&gt;60&lt;/font&gt; to&amp;nbsp;&lt;font class="_mt"&gt;120&lt;/font&gt; days to respond to representation and warranty claims and performs a loan-by-loan review of all claims during this time. During the current quarter, SCC completed its review of prior period claims with an approximate principal balance of $&lt;font class="_mt"&gt;220&lt;/font&gt; million. Claims determined to be valid during the current quarter have estimated losses of $&lt;font class="_mt"&gt;1.2&lt;/font&gt; million. Payments related to these claims remained pending at January 31, 2012. Counterparties are able to reassert claims that SCC has denied. Claims totaling approximately $&lt;font class="_mt"&gt;399&lt;/font&gt; million remained subject to review as of January 31, 2012. As of January 31, 2012, approximately $&lt;font class="_mt"&gt;79&lt;/font&gt; million of claims under review represent a reassertion of previously denied claims. &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;All claims asserted against SCC since May 1, 2008 relate to loans originated during calendar years 2005 through 2007, of which, approximately &lt;font class="_mt"&gt;90&lt;/font&gt;% relate to loans originated in calendar years 2006 and 2007. During calendar years 2005 through 2007, SCC originated approximately $&lt;font class="_mt"&gt;84&lt;/font&gt; billion in loans, of which less than &lt;font class="_mt"&gt;1&lt;/font&gt;% were sold directly to government sponsored entities. Government sponsored entities also purchased bonds backed by SCC-originated mortgage loans and, with respect to these bonds, have the same rights as other bondholders in private label securitizations. SCC is not subject to representation and warranty losses on loans that have been paid in full, repurchased, or were sold without recourse. &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;The majority of claims asserted since May 1, 2008 determined by SCC to represent a valid breach of its representations and warranties, relate to loans that became delinquent within the first two years following the origination of the mortgage loan. Based on its experiences to date, SCC believes the longer a loan performs prior to an event of default, the less likely the default will be related to a breach of a representation and warranty. A loan that defaults within the first two years following the origination of the mortgage loan does not necessarily default due to a breach of a representation and warranty. Loans originated in 2005, 2006 and 2007 that defaulted in the first two years totaled $&lt;font class="_mt"&gt;4.0&lt;/font&gt; billion, $&lt;font class="_mt"&gt;6.3&lt;/font&gt; billion and $&lt;font class="_mt"&gt;2.9&lt;/font&gt; billion, respectively. &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;SCC estimates losses relating to representation and warranty claims by estimating loan repurchase and indemnification obligations based on historical validity and severity rates on both known claims and projections of future claims. Projections of future claims are based on an analysis that includes a review of the terms and provisions of related agreements, the historical experience under repurchase and indemnification obligations related to breaches of representations and warranties and third-party activity, which includes inquiries from various third-parties, loan file access by third parties, and repurchase demands. SCC's methodology for calculating this liability also includes an assessment of the probability that individual counterparties (private label securitization trustees on behalf of bondholders, monoline insurers and whole-loan purchasers) will assert future claims. &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;SCC has recorded a liability for estimated contingent losses related to representation and warranty claims as of January 31, 2012 of $&lt;font class="_mt"&gt;142.9&lt;/font&gt; million, which represents SCC's estimate of the probable loss that may occur. Although SCC reviewed claims during the quarter that were deemed valid, payments related to those claims were still pending as of January 31, 2012. As such, the balance of the recorded liability at January 31, 2012 remained unchanged from the preceding quarter. During the second quarter of fiscal year 2012, SCC observed substantially increased third-party activity. As a result of this third-party activity, SCC's estimate of probable claims increased from its prior expectations and accordingly, it recorded an additional loss provision at the end of the second quarter. In the third quarter of fiscal year 2012, third-party activity decreased relative to the second quarter. During the prior fiscal year, SCC made payments totaling $&lt;font class="_mt"&gt;49.8&lt;/font&gt; million under an indemnity agreement dated April 2008 with a specific counterparty in exchange for a full and complete release of such party's ability to assert representation and warranty claims. The indemnity agreement was given as part of obtaining the counterparty's consent to SCC's sale of its mortgage servicing business in 2008. SCC has no remaining payment obligations under this indemnity agreement. &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 12px; margin-bottom: 0px; font-size: 1px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;The recorded liability represents SCC's estimate of losses from future representation and warranty claims where assertion of a claim and a related contingent loss are both determined to be probable. Because the rate at which future claims may be determined to be valid and actual loss severity rates may differ significantly from historical experience, SCC is not able to estimate reasonably possible loss outcomes in excess of its current accrual. A &lt;font class="_mt"&gt;1&lt;/font&gt;% increase in both assumed validity rates and loss severities would result in losses beyond SCC's accrual of approximately $22 million. This sensitivity is hypothetical and is intended to provide an indication of the impact of a change in key assumptions on the representations and warranties liability. In reality, changes in one assumption may result in changes in other assumptions, which could affect the sensitivity and the amount of losses. &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;While SCC uses what it believes to be the best information available to it in estimating its liability, assessing the likelihood that claims will be asserted in the future and estimating probable losses are inherently subjective and require considerable management judgment. To the extent that the volume of asserted claims, the level of valid claims, the counterparties asserting claims, the nature of claims, or the value of residential home prices, among other factors, differ in the future from current estimates, future losses may be greater than the current estimates and those differences may be significant. &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;A rollforward of our liability for losses on repurchases for the nine months ended January 31, 2012 and 2011 is as follows: &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px; font-size: 12px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="76%" align="center"&gt;
&lt;tr&gt;&lt;td style="width: 55%;"&gt; &lt;/td&gt;
&lt;td style="width: 52pt;"&gt; &lt;/td&gt;
&lt;td style="width: 52pt;"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;&lt;b&gt; &lt;/b&gt;(in&amp;nbsp;000s)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="bottom" width="78%" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Nine months ended January&amp;nbsp;31,&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;2012&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;2011&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Balance at beginning of period:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Amount related to repurchase and indemnifications &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 126,260 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 138,415 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Amount related to indemnity agreement dated April 2008 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;49,785 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;126,260 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;188,200 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Changes:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Provision for estimated losses &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;20,000 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Losses on repurchase and indemnifications &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(3,337 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(7,652 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Payments under indemnity agreement dated April 2008 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(25,562 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Balance at end of period:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Amount related to repurchase and indemnifications &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;142,923 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;130,763 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Amount related to indemnity agreement dated April 2008 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;24,223 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 142,923 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 154,986 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;

&lt;p style="margin-top: 12px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Discontinued Operations &amp;#8211; Indemnification Obligations &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 6px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;SCC may also have indemnification obligations with respect to loans and securities it originated and sold, as discussed in note 14. &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;See discussion in note 13 below for indemnification obligations related to the sales of RSM and MCM.&lt;/font&gt;&lt;/p&gt; &lt;/div&gt;</us-gaap:CommitmentsAndContingenciesDisclosureTextBlock>
  <us-gaap:CommitmentsDisclosureTextBlock contextRef="Duration_5_1_2011_To_1_31_2012">&lt;div&gt; &lt;table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="76%" align="center"&gt;
&lt;tr&gt;&lt;td style="width: 50%;"&gt; &lt;/td&gt;
&lt;td style="width: 69pt;"&gt; &lt;/td&gt;
&lt;td style="width: 61pt;"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;(in 000s)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="bottom" width="70%" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;As of&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;January&amp;nbsp;31,&amp;nbsp;2012&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;April&amp;nbsp;30,&amp;nbsp;2011&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Franchise Equity Lines of Credit &amp;#8211; undrawn commitment &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 22,209 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 37,695 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Media advertising purchase obligation &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;5,714 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;9,498 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt; &lt;/div&gt;</us-gaap:CommitmentsDisclosureTextBlock>
  <us-gaap:CommonStockDividendsPerShareCashPaid contextRef="Duration_5_1_2010_To_1_31_2011" unitRef="Unit15" decimals="INF">0.45</us-gaap:CommonStockDividendsPerShareCashPaid>
  <us-gaap:CommonStockDividendsPerShareCashPaid contextRef="Duration_11_1_2010_To_1_31_2011" unitRef="Unit15" decimals="INF">0.15</us-gaap:CommonStockDividendsPerShareCashPaid>
  <us-gaap:CommonStockDividendsPerShareCashPaid contextRef="Duration_5_1_2011_To_1_31_2012" unitRef="Unit15" decimals="INF">0.50</us-gaap:CommonStockDividendsPerShareCashPaid>
  <us-gaap:CommonStockDividendsPerShareCashPaid contextRef="Duration_11_1_2011_To_1_31_2012" unitRef="Unit15" decimals="INF">0.20</us-gaap:CommonStockDividendsPerShareCashPaid>
  <us-gaap:CommonStockParOrStatedValuePerShare contextRef="As_Of_4_30_2011" unitRef="Unit15" decimals="INF">0.01</us-gaap:CommonStockParOrStatedValuePerShare>
  <us-gaap:CommonStockParOrStatedValuePerShare contextRef="As_Of_1_31_2012" unitRef="Unit15" decimals="INF">0.01</us-gaap:CommonStockParOrStatedValuePerShare>
  <us-gaap:CommonStockSharesAuthorized contextRef="As_Of_4_30_2011" unitRef="Unit1" decimals="INF">800000000</us-gaap:CommonStockSharesAuthorized>
  <us-gaap:CommonStockSharesAuthorized contextRef="As_Of_1_31_2012" unitRef="Unit1" decimals="INF">800000000</us-gaap:CommonStockSharesAuthorized>
  <us-gaap:CommonStockSharesIssued contextRef="As_Of_4_30_2011" unitRef="Unit1" decimals="INF">412440599</us-gaap:CommonStockSharesIssued>
  <us-gaap:CommonStockSharesIssued contextRef="As_Of_1_31_2012" unitRef="Unit1" decimals="INF">399397099</us-gaap:CommonStockSharesIssued>
  <us-gaap:CommonStockValue contextRef="As_Of_4_30_2011" unitRef="Unit13" decimals="-3">4124000</us-gaap:CommonStockValue>
  <us-gaap:CommonStockValue contextRef="As_Of_1_31_2012" unitRef="Unit13" decimals="-3">3994000</us-gaap:CommonStockValue>
  <us-gaap:CommonStockValueOutstanding contextRef="As_Of_1_31_2012" unitRef="Unit13" decimals="-3">130000</us-gaap:CommonStockValueOutstanding>
  <us-gaap:ComprehensiveIncomeNetOfTax contextRef="Duration_5_1_2010_To_1_31_2011" unitRef="Unit13" decimals="-3">-246967000</us-gaap:ComprehensiveIncomeNetOfTax>
  <us-gaap:ComprehensiveIncomeNetOfTax contextRef="Duration_11_1_2010_To_1_31_2011" unitRef="Unit13" decimals="-3">-7974000</us-gaap:ComprehensiveIncomeNetOfTax>
  <us-gaap:ComprehensiveIncomeNetOfTax contextRef="Duration_5_1_2011_To_1_31_2012" unitRef="Unit13" decimals="-3">-323995000</us-gaap:ComprehensiveIncomeNetOfTax>
  <us-gaap:ComprehensiveIncomeNetOfTax contextRef="Duration_11_1_2011_To_1_31_2012" unitRef="Unit13" decimals="-3">-299000</us-gaap:ComprehensiveIncomeNetOfTax>
  <us-gaap:ConcentrationRiskPercentage contextRef="As_Of_1_31_2012_us-gaap_ConcentrationRiskByTypeAxis_hrb_HrbBankInterestOnlyMortgageMember" unitRef="Unit12" decimals="2">0.63</us-gaap:ConcentrationRiskPercentage>
  <us-gaap:CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock contextRef="Duration_5_1_2011_To_1_31_2012">&lt;div&gt; &lt;div class="MetaData"&gt;

&lt;div&gt;

&lt;p style="margin-top: 6px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&lt;b&gt;17. Condensed Consolidating Financial Statements &lt;/b&gt;&lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 12px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;BFC is an indirect, wholly-owned subsidiary of the Company. BFC is the Issuer and the Company is the Guarantor of the Senior Notes issued on January 11, 2008 and October 26, 2004, our CLOC and other indebtedness issued from time to time. These condensed consolidating financial statements have been prepared using the equity method of accounting. Earnings of subsidiaries are, therefore, reflected in the Company's investment in subsidiaries account. The elimination entries eliminate investments in subsidiaries, related stockholders' equity and other intercompany balances and transactions. &lt;/font&gt;&lt;/p&gt;

&lt;div&gt;

&lt;p style="margin-top: 12px; margin-bottom: 0px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&lt;i&gt;Condensed Consolidating Statements of Operations&lt;/i&gt;&lt;b&gt;&lt;i&gt; &lt;/i&gt;&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px; font-size: 6px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"&gt;
&lt;tr&gt;&lt;td style="width: 47%;"&gt; &lt;/td&gt;
&lt;td style="width: 64pt;"&gt; &lt;/td&gt;
&lt;td style="width: 45pt;"&gt; &lt;/td&gt;
&lt;td style="width: 49pt;"&gt; &lt;/td&gt;
&lt;td style="width: 50pt;"&gt; &lt;/td&gt;
&lt;td style="width: 52pt;"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;(in 000s)&lt;/font&gt;

&lt;p class="rrdsinglerule" align="left"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="bottom" width="60%" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Three months ended&lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;January&amp;nbsp;31, 2012&lt;/font&gt;&lt;/p&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;H&amp;amp;R&amp;nbsp;Block,&amp;nbsp;Inc.&lt;br /&gt;(Guarantor)&lt;/font&gt;

&lt;p class="rrdsinglerule" align="left"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;BFC&lt;br /&gt;(Issuer)&lt;/font&gt;

&lt;p class="rrdsinglerule" align="left"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Other&lt;br /&gt;Subsidiaries&lt;/font&gt;

&lt;p class="rrdsinglerule" align="left"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Eliminations&lt;/font&gt;

&lt;p class="rrdsinglerule" align="left"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Consolidated&lt;br /&gt;H&amp;amp;R Block&lt;/font&gt;

&lt;p class="rrdsinglerule" align="left"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Total revenues &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ &amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 65,604 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 597,837 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (161 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 663,280 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Cost of revenues &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;77,965 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;377,436 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(161 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;455,240 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Selling, general and administrative &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;9,705 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;202,031 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;211,736 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Total expenses &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;87,670 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;579,467 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(161 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;666,976 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Operating income (loss) &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(22,066 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;18,370 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(3,696 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Other income (expense), net &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(1,026 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,301 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,369 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,026 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;2,670 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Income (loss) from continuing operations before tax (benefit) &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(1,026 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(20,765 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;19,739 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,026 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(1,026 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Income tax (benefit) &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;2,541 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;12,036 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(9,495 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(2,541 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;2,541 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Net income (loss) from continuing operations &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(3,567 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(32,801 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;29,234 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;3,567 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(3,567 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Net income (loss) from discontinued operations &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;218 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(15,695 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;15,913 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(218 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;218 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Net income (loss) &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (3,349 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (48,496 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 45,147 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 3,349 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (3,349 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px; font-size: 12px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"&gt;
&lt;tr&gt;&lt;td style="width: 47%;"&gt; &lt;/td&gt;
&lt;td style="width: 64pt;"&gt; &lt;/td&gt;
&lt;td style="width: 47pt;"&gt; &lt;/td&gt;
&lt;td style="width: 49pt;"&gt; &lt;/td&gt;
&lt;td style="width: 50pt;"&gt; &lt;/td&gt;
&lt;td style="width: 52pt;"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="bottom" width="58%" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Three months ended&lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;January&amp;nbsp;31, 2011&lt;/font&gt;&lt;/p&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;H&amp;amp;R&amp;nbsp;Block,&amp;nbsp;Inc.&lt;br /&gt;(Guarantor)&lt;/font&gt;

&lt;p class="rrdsinglerule" align="left"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;BFC&lt;br /&gt;(Issuer)&lt;/font&gt;

&lt;p class="rrdsinglerule" align="left"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Other&lt;br /&gt;Subsidiaries&lt;/font&gt;

&lt;p class="rrdsinglerule" align="left"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Eliminations&lt;/font&gt;

&lt;p class="rrdsinglerule" align="left"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Consolidated&lt;br /&gt;H&amp;amp;R Block&lt;/font&gt;

&lt;p class="rrdsinglerule" align="left"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Total revenues &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ &amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 74,103 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 606,193 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ &amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 680,296 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Cost of revenues &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;118,708 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;376,176 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;494,884 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Selling, general and administrative &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;10,220 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;203,119 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;213,339 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Total expenses &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;128,928 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;579,295 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;708,223 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Operating income (loss) &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(54,825 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;26,898 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(27,927 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Other income (expense), net &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(25,968 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(521 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;2,480 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;25,968 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,959 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Income (loss) from continuing operations before taxes (benefit) &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(25,968 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(55,346 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;29,378 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;25,968 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(25,968 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Income taxes (benefit) &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(14,934 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(26,783 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;11,849 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;14,934 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(14,934 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Net income (loss) from continuing operations &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(11,034 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(28,563 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;17,529 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;11,034 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(11,034 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Net income (loss) from discontinued operations &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(1,687 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(8,283 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;6,596 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,687 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(1,687 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Net income (loss) &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (12,721 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (36,846 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 24,125 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 12,721 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (12,721 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;

&lt;p style="margin-top: 12px; margin-bottom: 0px; font-size: 1px;"&gt;&lt;font size="3" class="_mt"&gt; &lt;/font&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px; font-size: 12px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"&gt;
&lt;tr&gt;&lt;td style="width: 45%;"&gt; &lt;/td&gt;
&lt;td style="width: 64pt;"&gt; &lt;/td&gt;
&lt;td style="width: 47pt;"&gt; &lt;/td&gt;
&lt;td style="width: 55pt;"&gt; &lt;/td&gt;
&lt;td style="width: 50pt;"&gt; &lt;/td&gt;
&lt;td style="width: 55pt;"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="bottom" width="55%" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Nine months ended&lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;January&amp;nbsp;31, 2012&lt;/font&gt;&lt;/p&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;H&amp;amp;R&amp;nbsp;Block,&amp;nbsp;Inc.&lt;br /&gt;(Guarantor)&lt;/font&gt;

&lt;p class="rrdsinglerule" align="left"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;BFC&lt;br /&gt;(Issuer)&lt;/font&gt;

&lt;p class="rrdsinglerule" align="left"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Other&lt;br /&gt;Subsidiaries&lt;/font&gt;

&lt;p class="rrdsinglerule" align="left"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Eliminations&lt;/font&gt;

&lt;p class="rrdsinglerule" align="left"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Consolidated&lt;br /&gt;H&amp;amp;R Block&lt;/font&gt;

&lt;p class="rrdsinglerule" align="left"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Total revenues &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ &amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 104,937 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 788,321 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (161 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 893,097 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Cost of revenues &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;152,605 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;742,993 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(161 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;895,437 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Selling, general and administrative &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;24,044 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;388,357 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;412,401 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Total expenses &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;176,649 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,131,350 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(161 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,307,838 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Operating loss &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(71,712 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(343,029 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(414,741 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Other income (expense), net &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(405,556 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;7,647 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,538 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;405,556 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;9,185 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Loss from continuing operations before tax benefit &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(405,556 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(64,065 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(341,491 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;405,556 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(405,556 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Income tax benefit &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(159,821 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(4,877 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(154,944 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;159,821 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(159,821 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Net loss from continuing operations &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(245,735 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(59,188 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(186,547 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;245,735 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(245,735 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Net loss from discontinued operations &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(74,436 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(36,398 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(38,038 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;74,436 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(74,436 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Net loss &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (320,171 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (95,586 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (224,585 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 320,171 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (320,171 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px; font-size: 12px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"&gt;
&lt;tr&gt;&lt;td style="width: 45%;"&gt; &lt;/td&gt;
&lt;td style="width: 64pt;"&gt; &lt;/td&gt;
&lt;td style="width: 50pt;"&gt; &lt;/td&gt;
&lt;td style="width: 55pt;"&gt; &lt;/td&gt;
&lt;td style="width: 50pt;"&gt; &lt;/td&gt;
&lt;td style="width: 55pt;"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="bottom" width="55%" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Nine months ended&lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;January&amp;nbsp;31, 2011&lt;/font&gt;&lt;/p&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;H&amp;amp;R&amp;nbsp;Block,&amp;nbsp;Inc.&lt;br /&gt;(Guarantor)&lt;/font&gt;

&lt;p class="rrdsinglerule" align="left"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;BFC&lt;br /&gt;(Issuer)&lt;/font&gt;

&lt;p class="rrdsinglerule" align="left"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Other&lt;br /&gt;Subsidiaries&lt;/font&gt;

&lt;p class="rrdsinglerule" align="left"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Eliminations&lt;/font&gt;

&lt;p class="rrdsinglerule" align="left"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Consolidated&lt;br /&gt;H&amp;amp;R Block&lt;/font&gt;

&lt;p class="rrdsinglerule" align="left"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Total revenues &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ &amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 112,423 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 787,298 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ &amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 899,721 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Cost of revenues &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;193,695 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;758,839 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;952,534 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Selling, general and administrative &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;21,689 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;351,212 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;372,901 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Total expenses &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;215,384 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,110,051 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,325,435 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Operating loss &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(102,961 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(322,753 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(425,714 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Other income (expense), net &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(416,635 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;4,751 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;4,328 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;416,635 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;9,079 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Loss from continuing operations before tax benefit &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(416,635 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(98,210 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(318,425 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;416,635 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(416,635 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Income tax benefit &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(166,349 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(42,278 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(124,071 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;166,349 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(166,349 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Net loss from continuing operations &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(250,286 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(55,932 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(194,354 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;250,286 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(250,286 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Net income (loss) from discontinued operations &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(2,165 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(12,617 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;10,452 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;2,165 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(2,165 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Net loss &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (252,451 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (68,549 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (183,902 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 252,451 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (252,451 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;

&lt;div class="MetaData"&gt;

&lt;p style="margin-top: 12px; margin-bottom: 0px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&lt;i&gt; &lt;/i&gt;&lt;/font&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="margin-top: 12px; margin-bottom: 0px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&lt;i&gt; &lt;/i&gt;&lt;/font&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="margin-top: 12px; margin-bottom: 0px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&lt;i&gt;Condensed Consolidating Balance Sheets&lt;/i&gt;&lt;b&gt;&lt;i&gt; &lt;/i&gt;&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px; font-size: 6px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"&gt;
&lt;tr&gt;&lt;td style="width: 42%;"&gt; &lt;/td&gt;
&lt;td style="width: 64pt;"&gt; &lt;/td&gt;
&lt;td style="width: 55pt;"&gt; &lt;/td&gt;
&lt;td style="width: 55pt;"&gt; &lt;/td&gt;
&lt;td style="width: 58pt;"&gt; &lt;/td&gt;
&lt;td style="width: 55pt;"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;(in 000s)&lt;/font&gt;

&lt;p class="rrdsinglerule" align="left"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="bottom" width="54%" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;As of January&amp;nbsp;31, 2012&lt;/font&gt;&lt;/p&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;H&amp;amp;R&amp;nbsp;Block,&amp;nbsp;Inc.&lt;br /&gt;(Guarantor)&lt;/font&gt;

&lt;p class="rrdsinglerule" align="left"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;BFC&lt;/font&gt;&lt;br /&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;(Issuer)&lt;/font&gt;

&lt;p class="rrdsinglerule" align="left"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Other&lt;br /&gt;Subsidiaries&lt;/font&gt;

&lt;p class="rrdsinglerule" align="left"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Eliminations&lt;/font&gt;

&lt;p class="rrdsinglerule" align="left"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Consolidated&lt;br /&gt;H&amp;amp;R Block&lt;/font&gt;

&lt;p class="rrdsinglerule" align="left"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Cash&amp;nbsp;&amp;amp; cash equivalents &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ &amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 1,065,448 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 153,825 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (289 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 1,218,984 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Cash&amp;nbsp;&amp;amp; cash equivalents &amp;#8211; restricted &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;2,254 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;31,914 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;34,168 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Receivables, net &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;63 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;502,231 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;533,608 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,035,902 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Mortgage loans held for investment &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;430,189 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;430,189 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Intangible assets and goodwill, net &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;701,743 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;701,743 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Investments in subsidiaries &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,694,728 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,706 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(1,694,728 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,706 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Other assets &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;8,841 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;535,743 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;885,513 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,430,097 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Total assets &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 1,703,632 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 2,535,865 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 2,308,309 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (1,695,017 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 4,852,789 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Customer deposits &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ &amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 1,588,277 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ &amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (289 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 1,587,988 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Long-term debt &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;999,235 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;41,002 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,040,237 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Commercial paper borrowings &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;230,947 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;230,947 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;FHLB borrowings &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;25,000 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;25,000 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Other liabilities &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;246 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(108,361 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,270,283 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,162,168 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Net intercompany advances &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;896,937 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;68,684 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(965,621 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Stockholders' equity &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;806,449 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(267,917 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,962,645 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(1,694,728 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;806,449 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Total liabilities and stockholders' equity &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 1,703,632 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 2,535,865 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 2,308,309 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (1,695,017 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 4,852,789 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;

&lt;table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"&gt;
&lt;tr&gt;&lt;td style="width: 42%;"&gt; &lt;/td&gt;
&lt;td style="width: 64pt;"&gt; &lt;/td&gt;
&lt;td style="width: 55pt;"&gt; &lt;/td&gt;
&lt;td style="width: 58pt;"&gt; &lt;/td&gt;
&lt;td style="width: 58pt;"&gt; &lt;/td&gt;
&lt;td style="width: 55pt;"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="bottom" width="54%" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;As of April&amp;nbsp;30, 2011&lt;/font&gt;&lt;/p&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;H&amp;amp;R&amp;nbsp;Block,&amp;nbsp;Inc.&lt;br /&gt;(Guarantor)&lt;/font&gt;

&lt;p class="rrdsinglerule" align="left"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;BFC&lt;/font&gt;&lt;br /&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;(Issuer)&lt;/font&gt;

&lt;p class="rrdsinglerule" align="left"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Other&lt;br /&gt;Subsidiaries&lt;/font&gt;

&lt;p class="rrdsinglerule" align="left"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Eliminations&lt;/font&gt;

&lt;p class="rrdsinglerule" align="left"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Consolidated&lt;br /&gt;H&amp;amp;R Block&lt;/font&gt;

&lt;p class="rrdsinglerule" align="left"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Cash&amp;nbsp;&amp;amp; cash equivalents &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ &amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 616,238 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 1,061,656 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (50 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 1,677,844 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Cash&amp;nbsp;&amp;amp; cash equivalents &amp;#8211; restricted &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;9,522 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;38,861 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;48,383 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Receivables, net &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;88 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;102,011 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;128,073 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;230,172 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Mortgage loans held for investment, net &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;485,008 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;485,008 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Intangible assets and goodwill, net &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;709,493 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;709,493 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Investments in subsidiaries &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;2,699,555 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;32 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(2,699,555 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;32 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Assets held for sale &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;900,328 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;900,328 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Other assets &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;13,613 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;469,461 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;755,119 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,238,193 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Total assets &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 2,713,256 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 1,682,240 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 3,593,562 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (2,699,605 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 5,289,453 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Customer deposits &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ &amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 852,270 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ &amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (50 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 852,220 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Long&amp;#8211;term debt &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;998,965 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;41,119 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,040,084 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;FHLB borrowings &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;25,000 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;25,000 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Liabilities held for sale &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;241,562 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;241,562 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Other liabilities &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;178 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(26,769 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,707,604 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,681,013 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Net intercompany advances &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,263,504 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;24,173 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(1,287,677 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Stockholders' equity &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,449,574 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(191,399 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;2,890,954 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(2,699,555 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,449,574 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Total&amp;nbsp;liabilities&amp;nbsp;and&amp;nbsp;stockholders'&amp;nbsp; equity &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 2,713,256 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 1,682,240 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 3,593,562 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (2,699,605 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 5,289,453 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;/div&gt;

&lt;div class="MetaData"&gt;

&lt;p style="margin-top: 12px; margin-bottom: 0px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&lt;i&gt;Condensed Consolidating Statements of Cash Flows &lt;/i&gt;&lt;i&gt; &lt;/i&gt;&lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px; font-size: 12px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"&gt;
&lt;tr&gt;&lt;td style="width: 43%;"&gt; &lt;/td&gt;
&lt;td style="width: 64pt;"&gt; &lt;/td&gt;
&lt;td style="width: 55pt;"&gt; &lt;/td&gt;
&lt;td style="width: 55pt;"&gt; &lt;/td&gt;
&lt;td style="width: 50pt;"&gt; &lt;/td&gt;
&lt;td style="width: 58pt;"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;(in 000s)&lt;/font&gt;

&lt;p class="rrdsinglerule" align="left"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="bottom" width="52%" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Nine months ended&lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;January&amp;nbsp;31, 2012&lt;/font&gt;&lt;/p&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;H&amp;amp;R&amp;nbsp;Block,&amp;nbsp;Inc.&lt;br /&gt;(Guarantor)&lt;/font&gt;

&lt;p class="rrdsinglerule" align="left"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;BFC&lt;/font&gt;&lt;br /&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;(Issuer)&lt;/font&gt;

&lt;p class="rrdsinglerule" align="left"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Other&lt;br /&gt;Subsidiaries&lt;/font&gt;

&lt;p class="rrdsinglerule" align="left"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Eliminations&lt;/font&gt;

&lt;p class="rrdsinglerule" align="left"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Consolidated&lt;br /&gt;H&amp;amp;R Block&lt;/font&gt;

&lt;p class="rrdsinglerule" align="left"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Net cash provided by (used in) operating activities: &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 8,193 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (448,362 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (942,602 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ &amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (1,382,771 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Cash flows from investing:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Purchases of available&amp;#8211;for&amp;#8211;sale securities &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(178,014 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(178,014 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Mortgage loans originated for investment, net &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;35,460 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;35,460 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Purchase property&amp;nbsp;&amp;amp; equipment &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(152 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(71,397 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(71,549 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Payments made for business acquisitions, net &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(16,022 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(16,022 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Proceeds from sale of businesses, net &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;533,055 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;533,055 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Loans made to franchisees &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(43,649 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(43,649 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Repayments from franchisees &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;8,455 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;8,455 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Net intercompany advances &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;322,729 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(322,729 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Other, net &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;47,230 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;8,564 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;55,794 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Net cash provided by (used in) investing activities &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;322,729 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(130,670 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;454,200 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(322,729 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;323,530 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Cash flows from financing:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Repayments of commercial paper &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(413,221 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(413,221 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Proceeds&amp;nbsp;from&amp;nbsp;commercial&amp;nbsp;paper &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;644,168 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;644,168 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Customer banking deposits &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;735,491 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(239 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;735,252 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Dividends paid &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(150,058 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(150,058 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Repurchase of common stock &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(180,566 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(180,566 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Proceeds from exercise of stock options, net &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(324 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(324 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Net intercompany advances &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;61,747 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(384,476 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;322,729 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Other, net &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;26 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;57 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(31,507 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(31,424 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Net cash provided by (used in) financing activities &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(330,922 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,028,242 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(415,983 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;322,490 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;603,827 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Effects of exchange rates on cash &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(3,446 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(3,446 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Net increase (decrease) in cash &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;449,210 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(907,831 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(239 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(458,860 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Cash &amp;#8211; beginning of period &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;616,238 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,061,656 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(50 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,677,844 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Cash &amp;#8211; end of period &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ &amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 1,065,448 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 153,825 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (289 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ &amp;nbsp;1,218,984 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;

&lt;p style="margin-top: 12px; margin-bottom: 0px; font-size: 1px;"&gt;&lt;font size="3" class="_mt"&gt; &lt;/font&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px; font-size: 12px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"&gt;
&lt;tr&gt;&lt;td style="width: 43%;"&gt; &lt;/td&gt;
&lt;td style="width: 64pt;"&gt; &lt;/td&gt;
&lt;td style="width: 58pt;"&gt; &lt;/td&gt;
&lt;td style="width: 55pt;"&gt; &lt;/td&gt;
&lt;td style="width: 50pt;"&gt; &lt;/td&gt;
&lt;td style="width: 58pt;"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="bottom" width="55%" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Nine months ended&lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;January&amp;nbsp;31, 2011&lt;/font&gt;&lt;/p&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;H&amp;amp;R&amp;nbsp;Block,&amp;nbsp;Inc.&lt;br /&gt;(Guarantor)&lt;/font&gt;

&lt;p class="rrdsinglerule" align="left"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;BFC&lt;/font&gt;&lt;br /&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;(Issuer)&lt;/font&gt;

&lt;p class="rrdsinglerule" align="left"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Other&lt;/font&gt;&lt;br /&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Subsidiaries&lt;/font&gt;

&lt;p class="rrdsinglerule" align="left"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Eliminations&lt;/font&gt;

&lt;p class="rrdsinglerule" align="left"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Consolidated&lt;/font&gt;&lt;br /&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;H&amp;amp;R Block&lt;/font&gt;

&lt;p class="rrdsinglerule" align="left"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Net cash used in operating activities: &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (43,026 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (725,197 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (737,195 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ &amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (1,505,418 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Cash flows from investing:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Mortgage loans originated for investment, net &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;45,316 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;45,316 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Purchase property&amp;nbsp;&amp;amp; equipment &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(51,198 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(51,198 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Payments made for business acquisitions, net &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(50,832 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(50,832 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Proceeds from sale of businesses, net &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;62,298 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;62,298 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Loans made to franchisees &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(90,304 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(90,304 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Repayments from franchisees &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;9,926 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;9,926 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Net intercompany advances &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;467,873 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(467,873 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Other, net &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;28,612 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;10,039 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;38,651 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Net cash provided by (used in) investing activities &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;467,873 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(6,450 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(29,693 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(467,873 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(36,143 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Cash flows from financing:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Repayments of short-term borrowings &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(2,654,653 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(2,654,653 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Proceeds from short-term borrowings &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;3,286,603 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;3,286,603 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Customer banking deposits &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,003,482 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(1,208 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,002,274 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Dividends paid &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(140,926 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(140,926 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Repurchase of common stock &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(283,494 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(283,494 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Proceeds from exercise of stock options &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(866 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(866 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Net intercompany advances &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(315,752 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(152,121 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;467,873 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Other, net &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;439 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(365 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(10,136 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(10,062 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Net cash provided by (used in) financing activities &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(424,847 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,319,315 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(162,257 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;466,665 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,198,876 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Effects of exchange rates on cash &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;4,330 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;4,330 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Net increase (decrease) in cash &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;587,668 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(924,815 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(1,208 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(338,355 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Cash &amp;#8211; beginning of period &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;702,021 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,102,135 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(111 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,804,045 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Cash &amp;#8211; end of period &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ &amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 1,289,689 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 177,320 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (1,319 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 1,465,690 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:CondensedFinancialInformationOfParentCompanyOnlyDisclosureTextBlock>
  <us-gaap:CostOfRevenue contextRef="Duration_5_1_2010_To_1_31_2011" unitRef="Unit13" decimals="-3">952534000</us-gaap:CostOfRevenue>
  <us-gaap:CostOfRevenue contextRef="Duration_5_1_2010_To_1_31_2011_dei_LegalEntityAxis_hrb_BfcIssuerMember" unitRef="Unit13" decimals="-3">193695000</us-gaap:CostOfRevenue>
  <us-gaap:CostOfRevenue contextRef="Duration_5_1_2010_To_1_31_2011_dei_LegalEntityAxis_us-gaap_SubsidiariesMember" unitRef="Unit13" decimals="-3">758839000</us-gaap:CostOfRevenue>
  <us-gaap:CostOfRevenue contextRef="Duration_11_1_2010_To_1_31_2011" unitRef="Unit13" decimals="-3">494884000</us-gaap:CostOfRevenue>
  <us-gaap:CostOfRevenue contextRef="Duration_11_1_2010_To_1_31_2011_dei_LegalEntityAxis_hrb_BfcIssuerMember" unitRef="Unit13" decimals="-3">118708000</us-gaap:CostOfRevenue>
  <us-gaap:CostOfRevenue contextRef="Duration_11_1_2010_To_1_31_2011_dei_LegalEntityAxis_us-gaap_SubsidiariesMember" unitRef="Unit13" decimals="-3">376176000</us-gaap:CostOfRevenue>
  <us-gaap:CostOfRevenue contextRef="Duration_5_1_2011_To_1_31_2012" unitRef="Unit13" decimals="-3">895437000</us-gaap:CostOfRevenue>
  <us-gaap:CostOfRevenue contextRef="Duration_5_1_2011_To_1_31_2012_dei_LegalEntityAxis_hrb_BfcIssuerMember" unitRef="Unit13" decimals="-3">152605000</us-gaap:CostOfRevenue>
  <us-gaap:CostOfRevenue contextRef="Duration_5_1_2011_To_1_31_2012_dei_LegalEntityAxis_us-gaap_BusinessIntersegmentEliminationsMember" unitRef="Unit13" decimals="-3">-161000</us-gaap:CostOfRevenue>
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  <us-gaap:CostOfRevenue contextRef="Duration_11_1_2011_To_1_31_2012" unitRef="Unit13" decimals="-3">455240000</us-gaap:CostOfRevenue>
  <us-gaap:CostOfRevenue contextRef="Duration_11_1_2011_To_1_31_2012_dei_LegalEntityAxis_hrb_BfcIssuerMember" unitRef="Unit13" decimals="-3">77965000</us-gaap:CostOfRevenue>
  <us-gaap:CostOfRevenue contextRef="Duration_11_1_2011_To_1_31_2012_dei_LegalEntityAxis_us-gaap_BusinessIntersegmentEliminationsMember" unitRef="Unit13" decimals="-3">-161000</us-gaap:CostOfRevenue>
  <us-gaap:CostOfRevenue contextRef="Duration_11_1_2011_To_1_31_2012_dei_LegalEntityAxis_us-gaap_SubsidiariesMember" unitRef="Unit13" decimals="-3">377436000</us-gaap:CostOfRevenue>
  <us-gaap:CostsAndExpenses contextRef="Duration_5_1_2010_To_1_31_2011" unitRef="Unit13" decimals="-3">1325435000</us-gaap:CostsAndExpenses>
  <us-gaap:CostsAndExpenses contextRef="Duration_5_1_2010_To_1_31_2011_dei_LegalEntityAxis_hrb_BfcIssuerMember" unitRef="Unit13" decimals="-3">215384000</us-gaap:CostsAndExpenses>
  <us-gaap:CostsAndExpenses contextRef="Duration_5_1_2010_To_1_31_2011_dei_LegalEntityAxis_us-gaap_SubsidiariesMember" unitRef="Unit13" decimals="-3">1110051000</us-gaap:CostsAndExpenses>
  <us-gaap:CostsAndExpenses contextRef="Duration_11_1_2010_To_1_31_2011" unitRef="Unit13" decimals="-3">708223000</us-gaap:CostsAndExpenses>
  <us-gaap:CostsAndExpenses contextRef="Duration_11_1_2010_To_1_31_2011_dei_LegalEntityAxis_hrb_BfcIssuerMember" unitRef="Unit13" decimals="-3">128928000</us-gaap:CostsAndExpenses>
  <us-gaap:CostsAndExpenses contextRef="Duration_11_1_2010_To_1_31_2011_dei_LegalEntityAxis_us-gaap_SubsidiariesMember" unitRef="Unit13" decimals="-3">579295000</us-gaap:CostsAndExpenses>
  <us-gaap:CostsAndExpenses contextRef="Duration_5_1_2011_To_1_31_2012" unitRef="Unit13" decimals="-3">1307838000</us-gaap:CostsAndExpenses>
  <us-gaap:CostsAndExpenses contextRef="Duration_5_1_2011_To_1_31_2012_dei_LegalEntityAxis_hrb_BfcIssuerMember" unitRef="Unit13" decimals="-3">176649000</us-gaap:CostsAndExpenses>
  <us-gaap:CostsAndExpenses contextRef="Duration_5_1_2011_To_1_31_2012_dei_LegalEntityAxis_us-gaap_BusinessIntersegmentEliminationsMember" unitRef="Unit13" decimals="-3">-161000</us-gaap:CostsAndExpenses>
  <us-gaap:CostsAndExpenses contextRef="Duration_5_1_2011_To_1_31_2012_dei_LegalEntityAxis_us-gaap_SubsidiariesMember" unitRef="Unit13" decimals="-3">1131350000</us-gaap:CostsAndExpenses>
  <us-gaap:CostsAndExpenses contextRef="Duration_11_1_2011_To_1_31_2012" unitRef="Unit13" decimals="-3">666976000</us-gaap:CostsAndExpenses>
  <us-gaap:CostsAndExpenses contextRef="Duration_11_1_2011_To_1_31_2012_dei_LegalEntityAxis_hrb_BfcIssuerMember" unitRef="Unit13" decimals="-3">87670000</us-gaap:CostsAndExpenses>
  <us-gaap:CostsAndExpenses contextRef="Duration_11_1_2011_To_1_31_2012_dei_LegalEntityAxis_us-gaap_BusinessIntersegmentEliminationsMember" unitRef="Unit13" decimals="-3">-161000</us-gaap:CostsAndExpenses>
  <us-gaap:CostsAndExpenses contextRef="Duration_11_1_2011_To_1_31_2012_dei_LegalEntityAxis_us-gaap_SubsidiariesMember" unitRef="Unit13" decimals="-3">579467000</us-gaap:CostsAndExpenses>
  <us-gaap:CustomerDepositsCurrent contextRef="As_Of_4_30_2011" unitRef="Unit13" decimals="-3">852220000</us-gaap:CustomerDepositsCurrent>
  <us-gaap:CustomerDepositsCurrent contextRef="As_Of_4_30_2011_dei_LegalEntityAxis_hrb_BfcIssuerMember" unitRef="Unit13" decimals="-3">852270000</us-gaap:CustomerDepositsCurrent>
  <us-gaap:CustomerDepositsCurrent contextRef="As_Of_4_30_2011_dei_LegalEntityAxis_us-gaap_BusinessIntersegmentEliminationsMember" unitRef="Unit13" decimals="-3">-50000</us-gaap:CustomerDepositsCurrent>
  <us-gaap:CustomerDepositsCurrent contextRef="As_Of_1_31_2012" unitRef="Unit13" decimals="-3">1587988000</us-gaap:CustomerDepositsCurrent>
  <us-gaap:CustomerDepositsCurrent contextRef="As_Of_1_31_2012_dei_LegalEntityAxis_hrb_BfcIssuerMember" unitRef="Unit13" decimals="-3">1588277000</us-gaap:CustomerDepositsCurrent>
  <us-gaap:CustomerDepositsCurrent contextRef="As_Of_1_31_2012_dei_LegalEntityAxis_us-gaap_BusinessIntersegmentEliminationsMember" unitRef="Unit13" decimals="-3">-289000</us-gaap:CustomerDepositsCurrent>
  <us-gaap:DebtAndCapitalLeaseObligations contextRef="As_Of_4_30_2011" unitRef="Unit13" decimals="-3">1040084000</us-gaap:DebtAndCapitalLeaseObligations>
  <us-gaap:DebtAndCapitalLeaseObligations contextRef="As_Of_4_30_2011_dei_LegalEntityAxis_hrb_BfcIssuerMember" unitRef="Unit13" decimals="-3">998965000</us-gaap:DebtAndCapitalLeaseObligations>
  <us-gaap:DebtAndCapitalLeaseObligations contextRef="As_Of_4_30_2011_dei_LegalEntityAxis_us-gaap_SubsidiariesMember" unitRef="Unit13" decimals="-3">41119000</us-gaap:DebtAndCapitalLeaseObligations>
  <us-gaap:DebtAndCapitalLeaseObligations contextRef="As_Of_1_31_2012" unitRef="Unit13" decimals="-3">1040237000</us-gaap:DebtAndCapitalLeaseObligations>
  <us-gaap:DebtAndCapitalLeaseObligations contextRef="As_Of_1_31_2012_dei_LegalEntityAxis_hrb_BfcIssuerMember" unitRef="Unit13" decimals="-3">999235000</us-gaap:DebtAndCapitalLeaseObligations>
  <us-gaap:DebtAndCapitalLeaseObligations contextRef="As_Of_1_31_2012_dei_LegalEntityAxis_us-gaap_SubsidiariesMember" unitRef="Unit13" decimals="-3">41002000</us-gaap:DebtAndCapitalLeaseObligations>
  <us-gaap:DebtCurrent contextRef="As_Of_4_30_2011" unitRef="Unit13" decimals="-3">557000</us-gaap:DebtCurrent>
  <us-gaap:DebtCurrent contextRef="As_Of_1_31_2012" unitRef="Unit13" decimals="-3">630996000</us-gaap:DebtCurrent>
  <us-gaap:DebtDisclosureTextBlock contextRef="Duration_5_1_2011_To_1_31_2012">&lt;div&gt; &lt;p style="margin-top: 6px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&lt;b&gt;8. Borrowings&lt;/b&gt; &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 6px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Borrowings consist of the following: &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px; font-size: 12px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="84%" align="center"&gt;
&lt;tr&gt;&lt;td style="width: 44%;"&gt; &lt;/td&gt;
&lt;td style="width: 69pt;"&gt; &lt;/td&gt;
&lt;td style="width: 69pt;"&gt; &lt;/td&gt;
&lt;td style="width: 61pt;"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;(in 000s)&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="bottom" width="60%" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;As of&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;January&amp;nbsp;31,&amp;nbsp;2012&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;January&amp;nbsp;31,&amp;nbsp;2011&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;April&amp;nbsp;30,&amp;nbsp;2011&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Commercial paper &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 230,947 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 632,566 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ &amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td height="8"&gt; &lt;/td&gt;
&lt;td height="8"&gt; &lt;/td&gt;
&lt;td height="8"&gt; &lt;/td&gt;
&lt;td height="8"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Senior Notes, &lt;font class="_mt"&gt;7.875&lt;/font&gt;%, due&amp;nbsp;&lt;font class="_mt"&gt;January 2013&lt;/font&gt; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 599,871 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 599,758 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 599,788 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Senior Notes, &lt;font class="_mt"&gt;5.125&lt;/font&gt;%, due&amp;nbsp;&lt;font class="_mt"&gt;October 2014&lt;/font&gt; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;399,364 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;399,117 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;399,177 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Other &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;41,002 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;40,913 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;41,119 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Total long-term debt &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,040,237 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,039,788 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,040,084 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Less: Current portion &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(630,996 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(551 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(557 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 409,241 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 1,039,237 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 1,039,527 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;

&lt;p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;We had commercial paper borrowings of $230.9 million at January 31, 2012, compared to $632.6 million at the same time last year. These borrowings were used to fund our off-season losses and cover our seasonal working capital needs. &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;As of January 31, 2012, our $600.0 million Senior Notes are included in current portion of long-term debt in our condensed consolidated balance sheet due to their contractual maturity in January 2013. &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;At January 31, 2012, we maintained a committed line of credit (CLOC) agreement to support commercial paper issuances, general corporate purposes or for working capital needs. This facility provides funding up to $&lt;font class="_mt"&gt;1.7&lt;/font&gt; billion and matures &lt;font class="_mt"&gt;July 31, 2013&lt;/font&gt;. This facility bears interest at an annual rate of LIBOR plus &lt;font class="_mt"&gt;1.30&lt;/font&gt;% to &lt;font class="_mt"&gt;2.80&lt;/font&gt;% or PRIME plus &lt;font class="_mt"&gt;0.30&lt;/font&gt;% to &lt;font class="_mt"&gt;1.80&lt;/font&gt;% (depending on the type of borrowing) and includes an annual facility fee of &lt;font class="_mt"&gt;0.20&lt;/font&gt;% to &lt;font class="_mt"&gt;0.70&lt;/font&gt;% of the committed amounts (based on our credit ratings). Covenants in this facility include: (1) maintenance of a minimum equity of $&lt;font class="_mt"&gt;650.0&lt;/font&gt; million on the last day of any fiscal quarter; and (2) reduction of the aggregate outstanding principal amount of short-term debt, as defined in the CLOC agreement, to $&lt;font class="_mt"&gt;200.0&lt;/font&gt; million or less for&amp;nbsp;&lt;font class="_mt"&gt;thirty&lt;/font&gt; consecutive days during the period March 1 to June 30 of each year. At January 31, 2012, we were in compliance with these covenants and had net worth of $&lt;font class="_mt"&gt;806.4&lt;/font&gt; million. We had no balance outstanding under the CLOC at January 31, 2012. Effective March 2, 2012, we amended our CLOC agreement to reduce the amount of minimum equity that we must maintain as of the last day of any fiscal quarter from $650.0 million to $&lt;font class="_mt"&gt;500.0&lt;/font&gt; million. &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;HRB Bank is a member of the FHLB of Des Moines, which extends credit to member banks based on eligible collateral. At January 31, 2012, HRB Bank had total FHLB advance capacity of&amp;nbsp;&lt;font class="_mt"&gt;$&lt;font class="_mt"&gt;284.2&lt;/font&gt;&lt;/font&gt; million. There was $&lt;font class="_mt"&gt;25.0&lt;/font&gt; million outstanding on this facility, leaving remaining availability of $&lt;font class="_mt"&gt;259.2&lt;/font&gt; million. Mortgage loans held for investment of $&lt;font class="_mt"&gt;372.7&lt;/font&gt; million serve as eligible collateral and are used to determine total capacity.&lt;/font&gt;&lt;/p&gt; &lt;/div&gt;</us-gaap:DebtDisclosureTextBlock>
  <us-gaap:DebtInstrumentBasisSpreadOnVariableRate contextRef="As_Of_1_31_2012_us-gaap_DebtInstrumentAxis_hrb_LiborMember_us-gaap_RangeAxis_us-gaap_MaximumMember" unitRef="Unit12" decimals="4">0.0280</us-gaap:DebtInstrumentBasisSpreadOnVariableRate>
  <us-gaap:DebtInstrumentBasisSpreadOnVariableRate contextRef="As_Of_1_31_2012_us-gaap_DebtInstrumentAxis_hrb_LiborMember_us-gaap_RangeAxis_us-gaap_MinimumMember" unitRef="Unit12" decimals="4">0.0130</us-gaap:DebtInstrumentBasisSpreadOnVariableRate>
  <us-gaap:DebtInstrumentBasisSpreadOnVariableRate contextRef="As_Of_1_31_2012_us-gaap_DebtInstrumentAxis_hrb_PrimeMember_us-gaap_RangeAxis_us-gaap_MaximumMember" unitRef="Unit12" decimals="4">0.0180</us-gaap:DebtInstrumentBasisSpreadOnVariableRate>
  <us-gaap:DebtInstrumentBasisSpreadOnVariableRate contextRef="As_Of_1_31_2012_us-gaap_DebtInstrumentAxis_hrb_PrimeMember_us-gaap_RangeAxis_us-gaap_MinimumMember" unitRef="Unit12" decimals="4">0.0030</us-gaap:DebtInstrumentBasisSpreadOnVariableRate>
  <us-gaap:DebtInstrumentInterestRateDuringPeriod contextRef="Duration_5_1_2011_To_1_31_2012_us-gaap_DebtInstrumentAxis_hrb_SeniorNotesDueOnJanuaryTwoZeroOneThreeMember" unitRef="Unit12" decimals="5">0.07875</us-gaap:DebtInstrumentInterestRateDuringPeriod>
  <us-gaap:DebtInstrumentInterestRateDuringPeriod contextRef="Duration_5_1_2011_To_1_31_2012_us-gaap_DebtInstrumentAxis_hrb_SeniorNotesDueOnOctoberTwoZeroOneFourMember" unitRef="Unit12" decimals="5">0.05125</us-gaap:DebtInstrumentInterestRateDuringPeriod>
  <us-gaap:DebtInstrumentInterestRateStatedPercentage contextRef="As_Of_1_31_2012_dei_LegalEntityAxis_hrb_RsmMcgladreyIncMember" unitRef="Unit12" decimals="INF">0.08</us-gaap:DebtInstrumentInterestRateStatedPercentage>
  <us-gaap:DebtInstrumentMaturityDate contextRef="Duration_5_1_2011_To_1_31_2012_us-gaap_DebtInstrumentAxis_hrb_SeniorNotesDueOnJanuaryTwoZeroOneThreeMember">2013-01-01</us-gaap:DebtInstrumentMaturityDate>
  <us-gaap:DebtInstrumentMaturityDate contextRef="Duration_5_1_2011_To_1_31_2012_us-gaap_DebtInstrumentAxis_hrb_SeniorNotesDueOnOctoberTwoZeroOneFourMember">2014-10-01</us-gaap:DebtInstrumentMaturityDate>
  <us-gaap:DeferredRevenue contextRef="As_Of_4_30_2010" unitRef="Unit13" decimals="-3">141542000</us-gaap:DeferredRevenue>
  <us-gaap:DeferredRevenue contextRef="As_Of_1_31_2011" unitRef="Unit13" decimals="-3">101036000</us-gaap:DeferredRevenue>
  <us-gaap:DeferredRevenue contextRef="As_Of_4_30_2011" unitRef="Unit13" decimals="-3">140603000</us-gaap:DeferredRevenue>
  <us-gaap:DeferredRevenue contextRef="As_Of_1_31_2012" unitRef="Unit13" decimals="-3">102820000</us-gaap:DeferredRevenue>
  <us-gaap:DeferredRevenueAdditions contextRef="Duration_5_1_2010_To_1_31_2011" unitRef="Unit13" decimals="-3">19376000</us-gaap:DeferredRevenueAdditions>
  <us-gaap:DeferredRevenueAdditions contextRef="Duration_5_1_2011_To_1_31_2012" unitRef="Unit13" decimals="-3">19471000</us-gaap:DeferredRevenueAdditions>
  <us-gaap:DeferredRevenueByArrangementDisclosureTextBlock contextRef="Duration_5_1_2011_To_1_31_2012">&lt;div&gt; &lt;table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="76%" align="center"&gt;
&lt;tr&gt;&lt;td style="width: 55%;"&gt; &lt;/td&gt;
&lt;td style="width: 52pt;"&gt; &lt;/td&gt;
&lt;td style="width: 52pt;"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;(in 000s)&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="bottom" width="78%" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Nine months ended January&amp;nbsp;31,&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;2012&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;2011&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Balance, beginning of period &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 140,603 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 141,542 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Amounts deferred for new guarantees issued &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;19,471 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;19,376 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Revenue recognized on previous deferrals &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(57,254 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(59,882 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Balance, end of period &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 102,820 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 101,036 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt; &lt;/div&gt;</us-gaap:DeferredRevenueByArrangementDisclosureTextBlock>
  <us-gaap:DeferredRevenueRevenueRecognized contextRef="Duration_5_1_2010_To_1_31_2011" unitRef="Unit13" decimals="-3">-59882000</us-gaap:DeferredRevenueRevenueRecognized>
  <us-gaap:DeferredRevenueRevenueRecognized contextRef="Duration_5_1_2011_To_1_31_2012" unitRef="Unit13" decimals="-3">-57254000</us-gaap:DeferredRevenueRevenueRecognized>
  <us-gaap:Deposits contextRef="As_Of_1_31_2012" unitRef="Unit13" decimals="-3">1593604000</us-gaap:Deposits>
  <us-gaap:DepreciationAndAmortization contextRef="Duration_5_1_2010_To_1_31_2011" unitRef="Unit13" decimals="-3">54925000</us-gaap:DepreciationAndAmortization>
  <us-gaap:DepreciationAndAmortization contextRef="Duration_11_1_2010_To_1_31_2011" unitRef="Unit13" decimals="-3">18044000</us-gaap:DepreciationAndAmortization>
  <us-gaap:DepreciationAndAmortization contextRef="Duration_5_1_2011_To_1_31_2012" unitRef="Unit13" decimals="-3">50894000</us-gaap:DepreciationAndAmortization>
  <us-gaap:DepreciationAndAmortization contextRef="Duration_11_1_2011_To_1_31_2012" unitRef="Unit13" decimals="-3">17770000</us-gaap:DepreciationAndAmortization>
  <us-gaap:DiscontinuedOperationGainLossFromDisposalOfDiscontinuedOperationBeforeIncomeTax contextRef="Duration_5_1_2010_To_1_31_2011" unitRef="Unit13" decimals="-3">-1897000</us-gaap:DiscontinuedOperationGainLossFromDisposalOfDiscontinuedOperationBeforeIncomeTax>
  <us-gaap:DiscontinuedOperationGainLossFromDisposalOfDiscontinuedOperationBeforeIncomeTax contextRef="Duration_5_1_2010_To_1_31_2011_us-gaap_IncomeStatementBalanceSheetAndAdditionalDisclosuresByDisposalGroupsIncludingDiscontinuedOperationsAxis_hrb_MortgageMember" unitRef="Unit13" decimals="-3">-17125000</us-gaap:DiscontinuedOperationGainLossFromDisposalOfDiscontinuedOperationBeforeIncomeTax>
  <us-gaap:DiscontinuedOperationGainLossFromDisposalOfDiscontinuedOperationBeforeIncomeTax contextRef="Duration_5_1_2010_To_1_31_2011_us-gaap_IncomeStatementBalanceSheetAndAdditionalDisclosuresByDisposalGroupsIncludingDiscontinuedOperationsAxis_hrb_RsmAndRelatedBusinessMember" unitRef="Unit13" decimals="-3">15228000</us-gaap:DiscontinuedOperationGainLossFromDisposalOfDiscontinuedOperationBeforeIncomeTax>
  <us-gaap:DiscontinuedOperationGainLossFromDisposalOfDiscontinuedOperationBeforeIncomeTax contextRef="Duration_11_1_2010_To_1_31_2011" unitRef="Unit13" decimals="-3">-2224000</us-gaap:DiscontinuedOperationGainLossFromDisposalOfDiscontinuedOperationBeforeIncomeTax>
  <us-gaap:DiscontinuedOperationGainLossFromDisposalOfDiscontinuedOperationBeforeIncomeTax contextRef="Duration_11_1_2010_To_1_31_2011_us-gaap_IncomeStatementBalanceSheetAndAdditionalDisclosuresByDisposalGroupsIncludingDiscontinuedOperationsAxis_hrb_MortgageMember" unitRef="Unit13" decimals="-3">-10551000</us-gaap:DiscontinuedOperationGainLossFromDisposalOfDiscontinuedOperationBeforeIncomeTax>
  <us-gaap:DiscontinuedOperationGainLossFromDisposalOfDiscontinuedOperationBeforeIncomeTax contextRef="Duration_11_1_2010_To_1_31_2011_us-gaap_IncomeStatementBalanceSheetAndAdditionalDisclosuresByDisposalGroupsIncludingDiscontinuedOperationsAxis_hrb_RsmAndRelatedBusinessMember" unitRef="Unit13" decimals="-3">8327000</us-gaap:DiscontinuedOperationGainLossFromDisposalOfDiscontinuedOperationBeforeIncomeTax>
  <us-gaap:DiscontinuedOperationGainLossFromDisposalOfDiscontinuedOperationBeforeIncomeTax contextRef="Duration_5_1_2011_To_1_31_2012" unitRef="Unit13" decimals="-3">-35188000</us-gaap:DiscontinuedOperationGainLossFromDisposalOfDiscontinuedOperationBeforeIncomeTax>
  <us-gaap:DiscontinuedOperationGainLossFromDisposalOfDiscontinuedOperationBeforeIncomeTax contextRef="Duration_5_1_2011_To_1_31_2012_us-gaap_IncomeStatementBalanceSheetAndAdditionalDisclosuresByDisposalGroupsIncludingDiscontinuedOperationsAxis_hrb_MortgageMember" unitRef="Unit13" decimals="-3">-54019000</us-gaap:DiscontinuedOperationGainLossFromDisposalOfDiscontinuedOperationBeforeIncomeTax>
  <us-gaap:DiscontinuedOperationGainLossFromDisposalOfDiscontinuedOperationBeforeIncomeTax contextRef="Duration_5_1_2011_To_1_31_2012_us-gaap_IncomeStatementBalanceSheetAndAdditionalDisclosuresByDisposalGroupsIncludingDiscontinuedOperationsAxis_hrb_RsmAndRelatedBusinessMember" unitRef="Unit13" decimals="-3">18831000</us-gaap:DiscontinuedOperationGainLossFromDisposalOfDiscontinuedOperationBeforeIncomeTax>
  <us-gaap:DiscontinuedOperationGainLossFromDisposalOfDiscontinuedOperationBeforeIncomeTax contextRef="Duration_11_1_2011_To_1_31_2012" unitRef="Unit13" decimals="-3">-26268000</us-gaap:DiscontinuedOperationGainLossFromDisposalOfDiscontinuedOperationBeforeIncomeTax>
  <us-gaap:DiscontinuedOperationGainLossFromDisposalOfDiscontinuedOperationBeforeIncomeTax contextRef="Duration_11_1_2011_To_1_31_2012_us-gaap_IncomeStatementBalanceSheetAndAdditionalDisclosuresByDisposalGroupsIncludingDiscontinuedOperationsAxis_hrb_MortgageMember" unitRef="Unit13" decimals="-3">-27385000</us-gaap:DiscontinuedOperationGainLossFromDisposalOfDiscontinuedOperationBeforeIncomeTax>
  <us-gaap:DiscontinuedOperationGainLossFromDisposalOfDiscontinuedOperationBeforeIncomeTax contextRef="Duration_11_1_2011_To_1_31_2012_us-gaap_IncomeStatementBalanceSheetAndAdditionalDisclosuresByDisposalGroupsIncludingDiscontinuedOperationsAxis_hrb_RsmAndRelatedBusinessMember" unitRef="Unit13" decimals="-3">1117000</us-gaap:DiscontinuedOperationGainLossFromDisposalOfDiscontinuedOperationBeforeIncomeTax>
  <us-gaap:DiscontinuedOperationGainLossOnDisposalOfDiscontinuedOperationNetOfTax contextRef="Duration_5_1_2011_To_1_31_2012_dei_LegalEntityAxis_hrb_RsmEquicoIncMember" unitRef="Unit13" decimals="-5">12400000</us-gaap:DiscontinuedOperationGainLossOnDisposalOfDiscontinuedOperationNetOfTax>
  <us-gaap:DiscontinuedOperationGainLossOnDisposalOfDiscontinuedOperationNetOfTax contextRef="Duration_5_1_2011_To_1_31_2012_dei_LegalEntityAxis_hrb_RsmMcgladreyIncMember" unitRef="Unit13" decimals="-5">37100000</us-gaap:DiscontinuedOperationGainLossOnDisposalOfDiscontinuedOperationNetOfTax>
  <us-gaap:DiscontinuedOperationIncomeLossFromDiscontinuedOperationBeforeIncomeTax contextRef="Duration_5_1_2010_To_1_31_2011" unitRef="Unit13" decimals="-3">-2165000</us-gaap:DiscontinuedOperationIncomeLossFromDiscontinuedOperationBeforeIncomeTax>
  <us-gaap:DiscontinuedOperationIncomeLossFromDiscontinuedOperationBeforeIncomeTax contextRef="Duration_11_1_2010_To_1_31_2011" unitRef="Unit13" decimals="-3">-1687000</us-gaap:DiscontinuedOperationIncomeLossFromDiscontinuedOperationBeforeIncomeTax>
  <us-gaap:DiscontinuedOperationIncomeLossFromDiscontinuedOperationBeforeIncomeTax contextRef="Duration_5_1_2011_To_1_31_2012" unitRef="Unit13" decimals="-3">-24920000</us-gaap:DiscontinuedOperationIncomeLossFromDiscontinuedOperationBeforeIncomeTax>
  <us-gaap:DiscontinuedOperationIncomeLossFromDiscontinuedOperationBeforeIncomeTax contextRef="Duration_11_1_2011_To_1_31_2012" unitRef="Unit13" decimals="-3">-19806000</us-gaap:DiscontinuedOperationIncomeLossFromDiscontinuedOperationBeforeIncomeTax>
  <us-gaap:DiscontinuedOperationsPolicyTextBlock contextRef="Duration_5_1_2011_To_1_31_2012">&lt;div&gt; &lt;div class="MetaData"&gt;

&lt;div&gt;

&lt;p style="margin-top: 18px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Discontinued &lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Operations &amp;#8211; Recent Events &lt;/font&gt;&lt;/font&gt;&lt;/p&gt;

&lt;div&gt;

&lt;p style="margin-top: 6px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;In November 2011, we sold substantially all assets of RSM McGladrey, Inc. (RSM) to McGladrey &amp;amp; Pullen LLP (M&amp;amp;P) for net cash proceeds of $&lt;font class="_mt"&gt;495.6&lt;/font&gt; million. We also received a short-term note in the amount of $&lt;font class="_mt"&gt;32.3&lt;/font&gt; million and a long-term note in the amount of $&lt;font class="_mt"&gt;54.0&lt;/font&gt; million. M&amp;amp;P assumed substantially all liabilities of RSM, including contingent payments and lease obligations. We have indemnified M&amp;amp;P for certain litigation matters as discussed in note 13. The net after tax loss on the sale of RSM totaled $&lt;font class="_mt"&gt;37.1&lt;/font&gt; million, which includes an $&lt;font class="_mt"&gt;85.4&lt;/font&gt; million impairment of goodwill recorded in our first quarter and tax benefits of $&lt;font class="_mt"&gt;20.5&lt;/font&gt; million recorded in the third quarter associated with capital loss carry-forwards utilized. &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;In the first quarter, we also announced we were evaluating strategic alternatives for RSM EquiCo, Inc. (EquiCo), and effective January 31, 2012, we sold the assets of EquiCo's subsidiary, McGladrey Capital Markets LLC (MCM), for cash proceeds of $&lt;font class="_mt"&gt;1.0&lt;/font&gt; million. We have indemnified the buyer for certain litigation matters related to this business. The net after tax loss on the sale of MCM totaled $&lt;font class="_mt"&gt;12.4&lt;/font&gt; million and included a $&lt;font class="_mt"&gt;14.3&lt;/font&gt; million impairment of goodwill recorded in our first quarter. The remaining EquiCo businesses will be wound down. &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;As of January 31, 2012, the results of operations of these businesses are presented as discontinued operations in the condensed consolidated financial statements. All periods presented in our condensed consolidated balance sheets and statements of operations have been reclassified to reflect our discontinued operations. See additional information in note 13.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:DiscontinuedOperationsPolicyTextBlock>
  <us-gaap:DiscontinuedOperationTaxEffectOfIncomeLossFromDisposalOfDiscontinuedOperation contextRef="Duration_5_1_2011_To_1_31_2012" unitRef="Unit13" decimals="-3">-59969000</us-gaap:DiscontinuedOperationTaxEffectOfIncomeLossFromDisposalOfDiscontinuedOperation>
  <us-gaap:DiscontinuedOperationTaxEffectOfIncomeLossFromDisposalOfDiscontinuedOperation contextRef="Duration_5_1_2011_To_1_31_2012_dei_LegalEntityAxis_hrb_RsmEquicoIncMember" unitRef="Unit13" decimals="-5">20500000</us-gaap:DiscontinuedOperationTaxEffectOfIncomeLossFromDisposalOfDiscontinuedOperation>
  <us-gaap:DiscontinuedOperationTaxEffectOfIncomeLossFromDisposalOfDiscontinuedOperation contextRef="Duration_11_1_2011_To_1_31_2012" unitRef="Unit13" decimals="-3">-20260000</us-gaap:DiscontinuedOperationTaxEffectOfIncomeLossFromDisposalOfDiscontinuedOperation>
  <us-gaap:DisposalGroupIncludingDiscontinuedOperationCashAndCashEquivalents contextRef="As_Of_1_31_2012_dei_LegalEntityAxis_hrb_RsmMcgladreyIncMember" unitRef="Unit13" decimals="-5">495600000</us-gaap:DisposalGroupIncludingDiscontinuedOperationCashAndCashEquivalents>
  <us-gaap:DisposalGroupIncludingDiscontinuedOperationGrossProfitLoss contextRef="Duration_5_1_2011_To_1_31_2012" unitRef="Unit13" decimals="-3">-109485000</us-gaap:DisposalGroupIncludingDiscontinuedOperationGrossProfitLoss>
  <us-gaap:DisposalGroupIncludingDiscontinuedOperationGrossProfitLoss contextRef="Duration_11_1_2011_To_1_31_2012" unitRef="Unit13" decimals="-3">-236000</us-gaap:DisposalGroupIncludingDiscontinuedOperationGrossProfitLoss>
  <us-gaap:DisposalGroupIncludingDiscontinuedOperationOperatingIncomeLoss contextRef="Duration_5_1_2010_To_1_31_2011" unitRef="Unit13" decimals="-3">-2165000</us-gaap:DisposalGroupIncludingDiscontinuedOperationOperatingIncomeLoss>
  <us-gaap:DisposalGroupIncludingDiscontinuedOperationOperatingIncomeLoss contextRef="Duration_11_1_2010_To_1_31_2011" unitRef="Unit13" decimals="-3">-1687000</us-gaap:DisposalGroupIncludingDiscontinuedOperationOperatingIncomeLoss>
  <us-gaap:DisposalGroupIncludingDiscontinuedOperationOperatingIncomeLoss contextRef="Duration_5_1_2011_To_1_31_2012" unitRef="Unit13" decimals="-3">-74436000</us-gaap:DisposalGroupIncludingDiscontinuedOperationOperatingIncomeLoss>
  <us-gaap:DisposalGroupIncludingDiscontinuedOperationOperatingIncomeLoss contextRef="Duration_11_1_2011_To_1_31_2012" unitRef="Unit13" decimals="-3">218000</us-gaap:DisposalGroupIncludingDiscontinuedOperationOperatingIncomeLoss>
  <us-gaap:DisposalGroupIncludingDiscontinuedOperationRevenue contextRef="Duration_5_1_2010_To_1_31_2011" unitRef="Unit13" decimals="-3">549180000</us-gaap:DisposalGroupIncludingDiscontinuedOperationRevenue>
  <us-gaap:DisposalGroupIncludingDiscontinuedOperationRevenue contextRef="Duration_11_1_2010_To_1_31_2011" unitRef="Unit13" decimals="-3">171071000</us-gaap:DisposalGroupIncludingDiscontinuedOperationRevenue>
  <us-gaap:DisposalGroupIncludingDiscontinuedOperationRevenue contextRef="Duration_5_1_2011_To_1_31_2012" unitRef="Unit13" decimals="-3">416436000</us-gaap:DisposalGroupIncludingDiscontinuedOperationRevenue>
  <us-gaap:DisposalGroupIncludingDiscontinuedOperationRevenue contextRef="Duration_11_1_2011_To_1_31_2012" unitRef="Unit13" decimals="-3">50508000</us-gaap:DisposalGroupIncludingDiscontinuedOperationRevenue>
  <us-gaap:DisposalGroupNotDiscontinuedOperationGainLossOnDisposal contextRef="Duration_5_1_2011_To_1_31_2012" unitRef="Unit13" decimals="-3">-49519000</us-gaap:DisposalGroupNotDiscontinuedOperationGainLossOnDisposal>
  <us-gaap:DisposalGroupNotDiscontinuedOperationGainLossOnDisposal contextRef="Duration_11_1_2011_To_1_31_2012" unitRef="Unit13" decimals="-3">20024000</us-gaap:DisposalGroupNotDiscontinuedOperationGainLossOnDisposal>
  <us-gaap:EarningsPerShareBasicAndDiluted contextRef="Duration_5_1_2010_To_1_31_2011" unitRef="Unit15" decimals="2">-0.81</us-gaap:EarningsPerShareBasicAndDiluted>
  <us-gaap:EarningsPerShareBasicAndDiluted contextRef="Duration_11_1_2010_To_1_31_2011" unitRef="Unit15" decimals="2">-0.04</us-gaap:EarningsPerShareBasicAndDiluted>
  <us-gaap:EarningsPerShareBasicAndDiluted contextRef="Duration_5_1_2011_To_1_31_2012" unitRef="Unit15" decimals="2">-1.07</us-gaap:EarningsPerShareBasicAndDiluted>
  <us-gaap:EarningsPerShareBasicAndDiluted contextRef="Duration_11_1_2011_To_1_31_2012" unitRef="Unit15" decimals="2">-0.01</us-gaap:EarningsPerShareBasicAndDiluted>
  <us-gaap:EarningsPerShareTextBlock contextRef="Duration_5_1_2011_To_1_31_2012">&lt;div&gt; &lt;p style="margin-top: 18px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&lt;b&gt;2. Loss Per Share and Stockholders' Equity&lt;/b&gt; &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 6px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;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&amp;nbsp;&lt;font class="_mt"&gt;9.6&lt;/font&gt; million shares for the three and nine months ended January 31, 2012, and&amp;nbsp;&lt;font class="_mt"&gt;12.6&lt;/font&gt; million shares for the three and nine months ended January 31, 2011, as the effect would be antidilutive due to the net loss from continuing operations during each period. &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;The computations of basic and diluted loss per share from continuing operations are as follows: &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px; font-size: 12px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="92%" align="center"&gt;
&lt;tr&gt;&lt;td style="width: 49%;"&gt; &lt;/td&gt;
&lt;td style="width: 52pt;"&gt; &lt;/td&gt;
&lt;td style="width: 52pt;"&gt; &lt;/td&gt;
&lt;td style="width: 55pt;"&gt; &lt;/td&gt;
&lt;td style="width: 55pt;"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;&lt;b&gt; &lt;/b&gt;(in&amp;nbsp;000s,&amp;nbsp;except&amp;nbsp;per&amp;nbsp;share&amp;nbsp; amounts)&lt;b&gt; &lt;/b&gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Three&amp;nbsp;months&amp;nbsp;ended&amp;nbsp;January&amp;nbsp;31,&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Nine&amp;nbsp;months&amp;nbsp;ended&amp;nbsp;January&amp;nbsp;31,&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;2012&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;2011&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;2012&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;&lt;b&gt; &lt;/b&gt;2011&lt;b&gt; &lt;/b&gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Net loss from continuing operations attributable to shareholders &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (3,567 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (11,034 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (245,735 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (250,286 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Amounts allocated to participating securities (nonvested shares)&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;24 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(148 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(152 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(142 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Net loss from continuing operations attributable to common shareholders &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (3,543 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (11,182 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (245,887 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (250,428 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Basic weighted average common shares &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;292,963 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;305,144 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;299,450 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;310,546 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Potential dilutive shares &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Dilutive weighted average common shares &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;292,963 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;305,144 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;299,450 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;310,546 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Loss per share from continuing operations:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Basic &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (0.01 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (0.04 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (0.82 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (0.80 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Diluted &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(0.01 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(0.04 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(0.82 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(0.80 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;

&lt;p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;The weighted average shares outstanding for the three and nine months ended January 31, 2012 decreased to 293.0 million and 299.5 million, respectively, from 305.1 million and 310.5 million for the three and nine months ended January 31, 2011, respectively, primarily due to share repurchases completed in the current fiscal year. During the nine months ended January 31, 2012, we purchased and immediately retired&amp;nbsp;&lt;font class="_mt"&gt;13.0&lt;/font&gt; million shares of our common stock at a cost of $&lt;font class="_mt"&gt;177.5&lt;/font&gt; million. The cost of shares retired during the current period was allocated to the components of stockholders' equity as follows: &lt;/font&gt;&lt;/p&gt;

&lt;table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="68%" align="center"&gt;
&lt;tr&gt;&lt;td style="width: 57%;"&gt; &lt;/td&gt;
&lt;td style="width: 52pt;"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;&lt;b&gt; &lt;/b&gt;(in 000s)&lt;b&gt; &lt;/b&gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Common stock &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 130 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Additional paid-in capital &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;7,826 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Retained earnings &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;169,548 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 177,504 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;

&lt;p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;During the nine months ended January 31, 2011, we purchased and immediately retired&amp;nbsp;&lt;font class="_mt"&gt;19.0&lt;/font&gt; million shares of our common stock at a cost of $&lt;font class="_mt"&gt;279.9&lt;/font&gt; million. &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;In addition to the shares we repurchased as described above, during the nine months ended January 31, 2012, we acquired&amp;nbsp;&lt;font class="_mt"&gt;0.2&lt;/font&gt; million shares of our common stock at an aggregate cost of $&lt;font class="_mt"&gt;3.1&lt;/font&gt; million. These shares represent shares swapped or surrendered to us in connection with the vesting of nonvested shares and the exercise of stock options. During the nine months ended January 31, 2011, we acquired&amp;nbsp;&lt;font class="_mt"&gt;0.2&lt;/font&gt; million shares at an aggregate cost of $&lt;font class="_mt"&gt;3.5&lt;/font&gt; million for similar purposes. &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px;"&gt;&lt;font class="_mt" size="1"&gt; &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;During the nine months ended January 31, 2012 and 2011, we issued&amp;nbsp;&lt;font class="_mt"&gt;1.0&lt;/font&gt; million and&amp;nbsp;&lt;font class="_mt"&gt;1.1&lt;/font&gt; million shares of common stock, respectively, due to the exercise of stock options, employee stock purchases and vesting of nonvested shares. &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;During the nine months ended January 31, 2012, we granted&amp;nbsp;&lt;font class="_mt"&gt;2.4&lt;/font&gt; million stock options and&amp;nbsp;&lt;font class="_mt"&gt;1.0&lt;/font&gt; million nonvested shares and units under our stock-based compensation plans. The weighted average fair value of options granted was $&lt;font class="_mt"&gt;3.36&lt;/font&gt; for management options. These awards typically vest over a&amp;nbsp;&lt;font class="_mt"&gt;three&lt;/font&gt; year period with one-third vesting each year. Stock-based compensation expense of our continuing operations totaled $&lt;font class="_mt"&gt;2.0&lt;/font&gt; million and $&lt;font class="_mt"&gt;11.0&lt;/font&gt; million for the three and nine months ended January 31, 2012, respectively, and $&lt;font class="_mt"&gt;3.5&lt;/font&gt; million and $&lt;font class="_mt"&gt;7.3&lt;/font&gt; million for the three and nine months ended January 31, 2011, respectively. At January 31, 2012, unrecognized compensation cost for options totaled $&lt;font class="_mt"&gt;7.5&lt;/font&gt; million, and for nonvested shares and units totaled $&lt;font class="_mt"&gt;16.5&lt;/font&gt; million.&lt;/font&gt;&lt;/p&gt; &lt;/div&gt;</us-gaap:EarningsPerShareTextBlock>
  <us-gaap:EffectOfExchangeRateOnCashAndCashEquivalents contextRef="Duration_5_1_2010_To_1_31_2011" unitRef="Unit13" decimals="-3">4330000</us-gaap:EffectOfExchangeRateOnCashAndCashEquivalents>
  <us-gaap:EffectOfExchangeRateOnCashAndCashEquivalents contextRef="Duration_5_1_2010_To_1_31_2011_dei_LegalEntityAxis_us-gaap_SubsidiariesMember" unitRef="Unit13" decimals="-3">4330000</us-gaap:EffectOfExchangeRateOnCashAndCashEquivalents>
  <us-gaap:EffectOfExchangeRateOnCashAndCashEquivalents contextRef="Duration_5_1_2011_To_1_31_2012" unitRef="Unit13" decimals="-3">-3446000</us-gaap:EffectOfExchangeRateOnCashAndCashEquivalents>
  <us-gaap:EffectOfExchangeRateOnCashAndCashEquivalents contextRef="Duration_5_1_2011_To_1_31_2012_dei_LegalEntityAxis_us-gaap_SubsidiariesMember" unitRef="Unit13" decimals="-3">-3446000</us-gaap:EffectOfExchangeRateOnCashAndCashEquivalents>
  <us-gaap:EmployeeRelatedLiabilitiesCurrent contextRef="As_Of_4_30_2011" unitRef="Unit13" decimals="-3">208748000</us-gaap:EmployeeRelatedLiabilitiesCurrent>
  <us-gaap:EmployeeRelatedLiabilitiesCurrent contextRef="As_Of_1_31_2012" unitRef="Unit13" decimals="-3">130245000</us-gaap:EmployeeRelatedLiabilitiesCurrent>
  <us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized contextRef="As_Of_1_31_2012" unitRef="Unit13" decimals="-5">16500000</us-gaap:EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized>
  <us-gaap:EquityMethodInvestments contextRef="As_Of_4_30_2011" unitRef="Unit13" decimals="-3">32000</us-gaap:EquityMethodInvestments>
  <us-gaap:EquityMethodInvestments contextRef="As_Of_4_30_2011_dei_LegalEntityAxis_us-gaap_BusinessIntersegmentEliminationsMember" unitRef="Unit13" decimals="-3">-2699555000</us-gaap:EquityMethodInvestments>
  <us-gaap:EquityMethodInvestments contextRef="As_Of_4_30_2011_dei_LegalEntityAxis_us-gaap_ParentCompanyMember" unitRef="Unit13" decimals="-3">2699555000</us-gaap:EquityMethodInvestments>
  <us-gaap:EquityMethodInvestments contextRef="As_Of_4_30_2011_dei_LegalEntityAxis_us-gaap_SubsidiariesMember" unitRef="Unit13" decimals="-3">32000</us-gaap:EquityMethodInvestments>
  <us-gaap:EquityMethodInvestments contextRef="As_Of_1_31_2012" unitRef="Unit13" decimals="-3">1706000</us-gaap:EquityMethodInvestments>
  <us-gaap:EquityMethodInvestments contextRef="As_Of_1_31_2012_dei_LegalEntityAxis_us-gaap_BusinessIntersegmentEliminationsMember" unitRef="Unit13" decimals="-3">-1694728000</us-gaap:EquityMethodInvestments>
  <us-gaap:EquityMethodInvestments contextRef="As_Of_1_31_2012_dei_LegalEntityAxis_us-gaap_ParentCompanyMember" unitRef="Unit13" decimals="-3">1694728000</us-gaap:EquityMethodInvestments>
  <us-gaap:EquityMethodInvestments contextRef="As_Of_1_31_2012_dei_LegalEntityAxis_us-gaap_SubsidiariesMember" unitRef="Unit13" decimals="-3">1706000</us-gaap:EquityMethodInvestments>
  <us-gaap:FairValueByBalanceSheetGroupingTextBlock contextRef="Duration_5_1_2011_To_1_31_2012">&lt;div&gt; &lt;table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="76%" align="center"&gt;
&lt;tr&gt;&lt;td style="width: 52%;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 60pt;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 60pt;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;(in 000s)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Carrying&lt;br /&gt;Amount&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Estimated&lt;br /&gt;Fair Value&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Mortgage loans held for investment &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 430,189 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 260,691 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Deposits &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,593,604 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,585,985 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Long-term borrowings &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,040,237 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,078,152 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt; &lt;/div&gt;</us-gaap:FairValueByBalanceSheetGroupingTextBlock>
  <us-gaap:FairValueDisclosuresTextBlock contextRef="Duration_5_1_2011_To_1_31_2012">&lt;div&gt; &lt;p style="margin-top: 12px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&lt;b&gt;6. Assets and Liabilities Measured at Fair Value&lt;/b&gt; &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 6px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;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. &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 6px; margin-bottom: 0px; margin-left: 6%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#149; Available-for-sale securities &amp;#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 for identical securities and as such, would be classified as Level 1. If quoted market prices are not available, we use a third-party pricing service to determine fair value and classify the securities as Level 2. The service's pricing model is based on market data and utilizes available trade, bid and other market information for similar securities. Available-for-sale securities that we classify as Level 2 include certain agency and non-agency mortgage-backed securities and municipal bonds. &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 6px; margin-bottom: 0px; margin-left: 6%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#149; Real estate owned &amp;#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. 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. &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 6px; margin-bottom: 0px; margin-left: 6%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#149; Impaired mortgage loans held for investment &amp;#8211; The fair value of impaired mortgage loans held for investment is generally based on the net present value of discounted cash flows for TDRs or the appraised value of the underlying collateral for all other loans. These loans are classified as Level 3. &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;The following table presents for each hierarchy level the assets that were remeasured at fair value on both a recurring and non-recurring basis during the nine months ended January 31, 2012 and 2011 and the gains (losses) on those remeasurements: &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px; font-size: 12px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;div class="MetaData"&gt;

&lt;table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"&gt;
&lt;tr&gt;&lt;td style="width: 52%;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 50pt;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 34pt;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 47pt;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 47pt;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 62pt;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;(dollars&amp;nbsp;in&amp;nbsp;000s)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Total&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Level&amp;nbsp;1&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Level 2&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Level 3&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Gain (loss)&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;As of January&amp;nbsp;31, 2012:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Recurring: &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 5em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Mortgage-backed securities &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ &amp;nbsp;306,475 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ &amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 306,475 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ &amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 2,956 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 5em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Municipal bonds &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;7,712 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;7,712 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;451 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Non-recurring: &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 5em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;REO &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;16,883 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;16,883 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(772 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 5em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Impaired mortgage loans held for investment &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;103,509 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;103,509 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(6,986 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 434,579 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ &amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 314,187 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 120,392 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (4,351 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;As a percentage of total assets &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;9.0 %&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; %&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;6.5 %&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;2.5 %&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;As of January&amp;nbsp;31, 2011:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Recurring: &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 5em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Mortgage-backed securities &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 19,927 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ &amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 19,927 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ &amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (91 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 5em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Municipal bonds &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;8,740 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;8,740 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;380 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 5em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Trust preferred security &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;21 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;21 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(1,575 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Non-recurring: &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 5em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;REO &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;19,532 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;19,532 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(1,512 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 5em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Impaired mortgage loans held for investment &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;174,062 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;174,062 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(7,792 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 222,282 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ &amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 28,688 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 193,594 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (10,590 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;As a percentage of total assets &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;3.8 %&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; %&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;0.5 %&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;3.3 %&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;

&lt;div class="MetaData"&gt;

&lt;p style="margin-left: 0%;" class="rfn"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;&lt;sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;"&gt;(1)&lt;/sup&gt; &lt;/font&gt;&lt;font class="_mt"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Prior year amounts have been restated to include trust preferred securities that were remeasured during the quarter and the gain (loss) on all remeasurements.&lt;/font&gt;&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;/div&gt;

&lt;p style="margin-left: 0%;" class="rfn"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt; &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;There were no changes to the unobservable inputs used in determining the fair values of our level 2 and level 3 financial assets. &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;The following methods were used to determine the fair values of our other financial instruments: &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 6px; margin-bottom: 0px; margin-left: 13%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#149; Cash equivalents, accounts receivable, investment in Federal Home Loan Bank (FHLB) stock, accounts payable, accrued liabilities, commercial paper borrowings and FHLB borrowings &amp;#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. &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 6px; margin-bottom: 0px; margin-left: 13%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#149; Long-term financing receivables &amp;#8211; The carrying values reported in the balance sheet for loans to franchisees approximate fair market value due to the variable interest rates and respective collateral values of these assets. The long-term note receivable from M&amp;amp;P bears interest at a rate similar to available market rates, and therefore carrying value approximates fair market value. Long-term EA and tax client receivables related to RALs are carried at net realizable value which approximates fair value. &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 6px; margin-bottom: 0px; margin-left: 13%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#149; Mortgage loans held for investment &amp;#8211; The fair value of mortgage loans held for investment is generally determined using market pricing sources based on origination channel and performance characteristics. &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 6px; margin-bottom: 0px; margin-left: 13%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#149; Deposits &amp;#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. &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 6px; margin-bottom: 0px; margin-left: 13%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#149; Long-term debt and FHLB borrowings &amp;#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. &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 18px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;The carrying amounts and estimated fair values of our financial instruments at January 31, 2012 are as follows: &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px; font-size: 12px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="76%" align="center"&gt;
&lt;tr&gt;&lt;td style="width: 52%;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 60pt;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 60pt;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;(in 000s)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Carrying&lt;br /&gt;Amount&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Estimated&lt;br /&gt;Fair Value&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Mortgage loans held for investment &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 430,189 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 260,691 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Deposits &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,593,604 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,585,985 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Long-term borrowings &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,040,237 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,078,152 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt; &lt;/div&gt;</us-gaap:FairValueDisclosuresTextBlock>
  <us-gaap:FairValueMeasurementInputsDisclosureTextBlock contextRef="Duration_5_1_2011_To_1_31_2012">&lt;div&gt; &lt;div class="MetaData"&gt;

&lt;table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"&gt;
&lt;tr&gt;&lt;td style="width: 52%;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 50pt;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 34pt;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 47pt;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 47pt;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 62pt;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;(dollars&amp;nbsp;in&amp;nbsp;000s)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Total&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Level&amp;nbsp;1&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Level 2&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Level 3&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Gain (loss)&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;As of January&amp;nbsp;31, 2012:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Recurring: &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 5em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Mortgage-backed securities &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ &amp;nbsp;306,475 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ &amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 306,475 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ &amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 2,956 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 5em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Municipal bonds &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;7,712 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;7,712 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;451 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Non-recurring: &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 5em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;REO &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;16,883 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;16,883 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(772 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 5em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Impaired mortgage loans held for investment &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;103,509 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;103,509 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(6,986 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 434,579 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ &amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 314,187 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 120,392 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (4,351 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;As a percentage of total assets &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;9.0 %&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; %&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;6.5 %&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;2.5 %&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;As of January&amp;nbsp;31, 2011:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Recurring: &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 5em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Mortgage-backed securities &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 19,927 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ &amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 19,927 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ &amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (91 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 5em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Municipal bonds &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;8,740 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;8,740 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;380 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 5em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Trust preferred security &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;21 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;21 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(1,575 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Non-recurring: &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 5em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;REO &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;19,532 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;19,532 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(1,512 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 5em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Impaired mortgage loans held for investment &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;174,062 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;174,062 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(7,792 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 222,282 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ &amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 28,688 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 193,594 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (10,590 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;As a percentage of total assets &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;3.8 %&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; %&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;0.5 %&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;3.3 %&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;

&lt;div class="MetaData"&gt;

&lt;p style="margin-left: 0%;" class="rfn"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;&lt;sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;"&gt;(1)&lt;/sup&gt; &lt;/font&gt;&lt;font class="_mt"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Prior year amounts have been restated to include trust preferred securities that were remeasured during the quarter and the gain (loss) on all remeasurements.&lt;/font&gt;&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:FairValueMeasurementInputsDisclosureTextBlock>
  <us-gaap:FederalHomeLoanBankAdvances contextRef="As_Of_4_30_2011" unitRef="Unit13" decimals="-3">25000000</us-gaap:FederalHomeLoanBankAdvances>
  <us-gaap:FederalHomeLoanBankAdvances contextRef="As_Of_4_30_2011_dei_LegalEntityAxis_hrb_BfcIssuerMember" unitRef="Unit13" decimals="-3">25000000</us-gaap:FederalHomeLoanBankAdvances>
  <us-gaap:FederalHomeLoanBankAdvances contextRef="As_Of_1_31_2012" unitRef="Unit13" decimals="-3">25000000</us-gaap:FederalHomeLoanBankAdvances>
  <us-gaap:FederalHomeLoanBankAdvances contextRef="As_Of_1_31_2012_dei_LegalEntityAxis_hrb_BfcIssuerMember" unitRef="Unit13" decimals="-3">25000000</us-gaap:FederalHomeLoanBankAdvances>
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&lt;p style="margin-top: 6px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Changes in the carrying amount of the goodwill of our continuing operations for the nine months ended January 31, 2012 consist of the following: &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px; font-size: 12px;"&gt;&amp;nbsp;&lt;/p&gt;

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&lt;td style="width: 56pt;"&gt; &lt;/td&gt;&lt;/tr&gt;
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&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Tax&amp;nbsp;Services&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Balance at April&amp;nbsp;30, 2011:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Goodwill &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 459,039 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Accumulated impairment losses &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(24,888 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;434,151 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Changes:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Acquisitions &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;9,506 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Disposals and foreign currency changes &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(5,805 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Impairments &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(4,257 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Balance at January&amp;nbsp;31, 2012:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Goodwill &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;462,740 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Accumulated impairment losses &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(29,145 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 433,595 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;

&lt;p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;In the current year, we discontinued service under our ExpressTax brand. As a result, we recorded an impairment of the reporting unit's goodwill, which totaled $&lt;font class="_mt"&gt;4.3&lt;/font&gt; million. &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;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. &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Intangible assets of our continuing operations consist of the following: &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px; font-size: 12px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"&gt;
&lt;tr&gt;&lt;td style="width: 40%;"&gt; &lt;/td&gt;
&lt;td style="width: 47pt;"&gt; &lt;/td&gt;
&lt;td style="width: 52pt;"&gt; &lt;/td&gt;
&lt;td style="width: 50pt;"&gt; &lt;/td&gt;
&lt;td style="width: 47pt;"&gt; &lt;/td&gt;
&lt;td style="width: 52pt;"&gt; &lt;/td&gt;
&lt;td style="width: 47pt;"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;&lt;b&gt; &lt;/b&gt;(in 000s)&lt;b&gt; &lt;/b&gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="3" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;January&amp;nbsp;31, 2012&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="3" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;April&amp;nbsp;30, 2011&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="bottom" width="54%" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;As of&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Gross&lt;br /&gt;Carrying&lt;br /&gt;Amount&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Accumulated&lt;br /&gt;Amortization&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Net&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Gross&lt;br /&gt;Carrying&lt;br /&gt;Amount&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Accumulated&lt;br /&gt;Amortization&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Net&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Tax Services:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Customer relationships &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 90,355 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (44,805 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 45,550 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 87,624 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (41,076 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 46,548 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Noncompete agreements &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;23,725 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(22,628 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,097 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;23,456 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(22,059 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,397 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Reacquired franchise rights &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;214,330 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(13,052 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;201,278 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;214,330 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(9,961 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;204,369 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Franchise agreements &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;19,201 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(4,053 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;15,148 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;19,201 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(3,093 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;16,108 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Purchased technology &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;14,700 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(10,200 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;4,500 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;14,700 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(8,505 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;6,195 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Trade name &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,325 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(750 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;575 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,325 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(600 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;725 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 363,636 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (95,488 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ &amp;nbsp;268,148 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 360,636 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (85,294 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 275,342 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;

&lt;p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Amortization of intangible assets of our continuing operations for the three and nine months ended January 31, 2012 was $&lt;font class="_mt"&gt;4.7&lt;/font&gt; and $&lt;font class="_mt"&gt;15.2&lt;/font&gt; million, respectively. Additionally, we recorded an impairment of customer relationships of $&lt;font class="_mt"&gt;4.0&lt;/font&gt; million, related to the discontinuation of our ExpressTax brand, as discussed above. Amortization of intangible assets of our continuing operations for the three and nine months ended January 31, 2011 was $&lt;font class="_mt"&gt;4.5&lt;/font&gt; and $&lt;font class="_mt"&gt;12.8&lt;/font&gt; million, respectively. Estimated amortization of intangible assets for fiscal years 2012 through 2016 is $&lt;font class="_mt"&gt;17.7&lt;/font&gt; million, $&lt;font class="_mt"&gt;16.5&lt;/font&gt; million, $&lt;font class="_mt"&gt;14.6&lt;/font&gt; million, $&lt;font class="_mt"&gt;11.3&lt;/font&gt; million and $&lt;font class="_mt"&gt;10.7&lt;/font&gt; million, respectively.&lt;/font&gt;&lt;/p&gt; &lt;/div&gt;</us-gaap:GoodwillAndIntangibleAssetsDisclosureTextBlock>
  <us-gaap:GoodwillGross contextRef="As_Of_4_30_2011_us-gaap_ProductOrServiceAxis_hrb_TaxServicesMember" unitRef="Unit13" decimals="-3">459039000</us-gaap:GoodwillGross>
  <us-gaap:GoodwillGross contextRef="As_Of_1_31_2012_us-gaap_ProductOrServiceAxis_hrb_TaxServicesMember" unitRef="Unit13" decimals="-3">462740000</us-gaap:GoodwillGross>
  <us-gaap:GoodwillImpairedAccumulatedImpairmentLoss contextRef="As_Of_4_30_2011_us-gaap_ProductOrServiceAxis_hrb_TaxServicesMember" unitRef="Unit13" decimals="-3">24888000</us-gaap:GoodwillImpairedAccumulatedImpairmentLoss>
  <us-gaap:GoodwillImpairedAccumulatedImpairmentLoss contextRef="As_Of_1_31_2012_us-gaap_ProductOrServiceAxis_hrb_TaxServicesMember" unitRef="Unit13" decimals="-3">29145000</us-gaap:GoodwillImpairedAccumulatedImpairmentLoss>
  <us-gaap:GoodwillImpairmentLoss contextRef="Duration_5_1_2010_To_1_31_2011" unitRef="Unit13" decimals="-3">22700000</us-gaap:GoodwillImpairmentLoss>
  <us-gaap:GoodwillImpairmentLoss contextRef="Duration_11_1_2010_To_1_31_2011" unitRef="Unit13" decimals="-3">22700000</us-gaap:GoodwillImpairmentLoss>
  <us-gaap:GoodwillImpairmentLoss contextRef="Duration_5_1_2011_To_7_31_2011_dei_LegalEntityAxis_hrb_RsmEquicoIncMember" unitRef="Unit13" decimals="-5">14300000</us-gaap:GoodwillImpairmentLoss>
  <us-gaap:GoodwillImpairmentLoss contextRef="Duration_5_1_2011_To_7_31_2011_dei_LegalEntityAxis_hrb_RsmMcgladreyIncMember" unitRef="Unit13" decimals="-5">85400000</us-gaap:GoodwillImpairmentLoss>
  <us-gaap:GoodwillImpairmentLoss contextRef="Duration_5_1_2011_To_1_31_2012" unitRef="Unit13" decimals="-3">4257000</us-gaap:GoodwillImpairmentLoss>
  <us-gaap:GoodwillImpairmentLoss contextRef="Duration_5_1_2011_To_1_31_2012_us-gaap_ProductOrServiceAxis_hrb_ExpresstaxBrandMember" unitRef="Unit13" decimals="-5">4300000</us-gaap:GoodwillImpairmentLoss>
  <us-gaap:GoodwillImpairmentLoss contextRef="Duration_5_1_2011_To_1_31_2012_us-gaap_ProductOrServiceAxis_hrb_TaxServicesMember" unitRef="Unit13" decimals="-3">4257000</us-gaap:GoodwillImpairmentLoss>
  <us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment contextRef="Duration_5_1_2010_To_1_31_2011" unitRef="Unit13" decimals="-3">308282000</us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment contextRef="Duration_5_1_2011_To_1_31_2012" unitRef="Unit13" decimals="-3">259423000</us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment contextRef="Duration_5_1_2011_To_1_31_2012_us-gaap_AccountsNotesLoansAndFinancingReceivablesByLegalEntityOfCounterpartyTypeAxis_hrb_AllOtherMember" unitRef="Unit13" decimals="-3">35421000</us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment contextRef="Duration_5_1_2011_To_1_31_2012_us-gaap_AccountsNotesLoansAndFinancingReceivablesByLegalEntityOfCounterpartyTypeAxis_hrb_PurchasedFromSccMember" unitRef="Unit13" decimals="-3">224002000</us-gaap:ImpairedFinancingReceivableAverageRecordedInvestment>
  <us-gaap:ImpairedFinancingReceivableInterestIncomeAccrualMethod contextRef="Duration_5_1_2010_To_1_31_2011" unitRef="Unit13" decimals="-3">4975000</us-gaap:ImpairedFinancingReceivableInterestIncomeAccrualMethod>
  <us-gaap:ImpairedFinancingReceivableInterestIncomeAccrualMethod contextRef="Duration_5_1_2011_To_1_31_2012" unitRef="Unit13" decimals="-3">4688000</us-gaap:ImpairedFinancingReceivableInterestIncomeAccrualMethod>
  <us-gaap:ImpairedFinancingReceivableInterestIncomeAccrualMethod contextRef="Duration_5_1_2011_To_1_31_2012_us-gaap_AccountsNotesLoansAndFinancingReceivablesByLegalEntityOfCounterpartyTypeAxis_hrb_AllOtherMember" unitRef="Unit13" decimals="-3">348000</us-gaap:ImpairedFinancingReceivableInterestIncomeAccrualMethod>
  <us-gaap:ImpairedFinancingReceivableInterestIncomeAccrualMethod contextRef="Duration_5_1_2011_To_1_31_2012_us-gaap_AccountsNotesLoansAndFinancingReceivablesByLegalEntityOfCounterpartyTypeAxis_hrb_PurchasedFromSccMember" unitRef="Unit13" decimals="-3">4340000</us-gaap:ImpairedFinancingReceivableInterestIncomeAccrualMethod>
  <us-gaap:ImpairedFinancingReceivableInterestIncomeCashBasisMethod contextRef="Duration_5_1_2010_To_1_31_2011" unitRef="Unit13" decimals="-3">4711000</us-gaap:ImpairedFinancingReceivableInterestIncomeCashBasisMethod>
  <us-gaap:ImpairedFinancingReceivableInterestIncomeCashBasisMethod contextRef="Duration_5_1_2011_To_1_31_2012" unitRef="Unit13" decimals="-3">4506000</us-gaap:ImpairedFinancingReceivableInterestIncomeCashBasisMethod>
  <us-gaap:ImpairedFinancingReceivableInterestIncomeCashBasisMethod contextRef="Duration_5_1_2011_To_1_31_2012_us-gaap_AccountsNotesLoansAndFinancingReceivablesByLegalEntityOfCounterpartyTypeAxis_hrb_AllOtherMember" unitRef="Unit13" decimals="-3">324000</us-gaap:ImpairedFinancingReceivableInterestIncomeCashBasisMethod>
  <us-gaap:ImpairedFinancingReceivableInterestIncomeCashBasisMethod contextRef="Duration_5_1_2011_To_1_31_2012_us-gaap_AccountsNotesLoansAndFinancingReceivablesByLegalEntityOfCounterpartyTypeAxis_hrb_PurchasedFromSccMember" unitRef="Unit13" decimals="-3">4182000</us-gaap:ImpairedFinancingReceivableInterestIncomeCashBasisMethod>
  <us-gaap:ImpairedFinancingReceivableRelatedAllowance contextRef="As_Of_4_30_2011" unitRef="Unit13" decimals="-3">80849000</us-gaap:ImpairedFinancingReceivableRelatedAllowance>
  <us-gaap:ImpairedFinancingReceivableRelatedAllowance id="Item-0051" contextRef="As_Of_4_30_2011_us-gaap_AccountsNotesLoansAndFinancingReceivablesByLegalEntityOfCounterpartyTypeAxis_hrb_AllOtherMember" unitRef="Unit13" decimals="-3">9116000</us-gaap:ImpairedFinancingReceivableRelatedAllowance>
  <us-gaap:ImpairedFinancingReceivableRelatedAllowance id="Item-0047" contextRef="As_Of_4_30_2011_us-gaap_AccountsNotesLoansAndFinancingReceivablesByLegalEntityOfCounterpartyTypeAxis_hrb_PurchasedFromSccMember" unitRef="Unit13" decimals="-3">71733000</us-gaap:ImpairedFinancingReceivableRelatedAllowance>
  <us-gaap:ImpairedFinancingReceivableRelatedAllowance contextRef="As_Of_1_31_2012" unitRef="Unit13" decimals="-3">80482000</us-gaap:ImpairedFinancingReceivableRelatedAllowance>
  <us-gaap:ImpairedFinancingReceivableRelatedAllowance contextRef="As_Of_1_31_2012_us-gaap_AccountsNotesLoansAndFinancingReceivablesByLegalEntityOfCounterpartyTypeAxis_hrb_AllOtherMember" unitRef="Unit13" decimals="-3">9398000</us-gaap:ImpairedFinancingReceivableRelatedAllowance>
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  <us-gaap:IncomeTaxDisclosureTextBlock contextRef="Duration_5_1_2011_To_1_31_2012">&lt;div&gt; &lt;p style="margin-top: 18px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&lt;b&gt;9. Income Taxes&lt;/b&gt; &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 6px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;We file a consolidated federal income tax return in the United States and file tax returns in various state and foreign jurisdictions. The U.S. Federal consolidated tax returns for the years 1999 through 2010 are currently under examination by the Internal Revenue Service, with the 1999-2007 years currently at the appellate level. Federal returns for tax years prior to 1999 are closed by statute. Historically, tax returns in various foreign and state jurisdictions are examined and settled upon completion of the exam. &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;We had gross unrecognized tax benefits of $&lt;font class="_mt"&gt;199.2&lt;/font&gt; million and $&lt;font class="_mt"&gt;154.8&lt;/font&gt; million at January 31, 2012 and April 30, 2011, respectively. The gross unrecognized tax benefits increased $&lt;font class="_mt"&gt;44.4&lt;/font&gt; million net in the current year, due primarily to accruals of tax on positions related to current and prior years partially offset by statute of limitations expirations and settlements with taxing authorities. A majority of the tax expense related to the increase in unrecognized benefits is recorded in discontinued operations as it relates to operations that have been discontinued and/or disposed. Except as noted below, we have classified the liability for unrecognized tax benefits, including corresponding accrued interest, as long-term at January 31, 2012, and included this amount in other noncurrent liabilities on the condensed consolidated balance sheet. &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Based upon the expiration of statutes of limitations, payments of tax and other factors in several jurisdictions, we believe it is reasonably possible that the gross amount of reserves for previously unrecognized tax benefits may decrease by approximately $&lt;font class="_mt"&gt;3.5&lt;/font&gt; million within the twelve month period after January 31, 2012. This portion of our liability for unrecognized tax benefits has been classified as current and is included in accounts payable, accrued expenses and other current liabilities on the condensed consolidated balance sheets. &lt;/font&gt;&lt;/p&gt; &lt;/div&gt;</us-gaap:IncomeTaxDisclosureTextBlock>
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  <us-gaap:InterestIncomeOperating contextRef="Duration_11_1_2011_To_1_31_2012_us-gaap_ComponentOfOtherOperatingCostAndExpenseGeneralAxis_hrb_MortgageLoansMember" unitRef="Unit13" decimals="-3">4948000</us-gaap:InterestIncomeOperating>
  <us-gaap:InterestIncomeOperating contextRef="Duration_11_1_2011_To_1_31_2012_us-gaap_ComponentOfOtherOperatingCostAndExpenseGeneralAxis_us-gaap_OtherInterestIncomeMember" unitRef="Unit13" decimals="-3">4466000</us-gaap:InterestIncomeOperating>
  <us-gaap:InterestPaid contextRef="Duration_5_1_2010_To_1_31_2011" unitRef="Unit13" decimals="-3">69313000</us-gaap:InterestPaid>
  <us-gaap:InterestPaid contextRef="Duration_5_1_2011_To_1_31_2012" unitRef="Unit13" decimals="-3">55266000</us-gaap:InterestPaid>
  <us-gaap:InvestmentsClassifiedByContractualMaturityDateTableTextBlock contextRef="Duration_5_1_2011_To_1_31_2012">&lt;div&gt; &lt;table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="76%" align="center"&gt;
&lt;tr&gt;&lt;td style="width: 55%;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 52pt;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 52pt;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;&lt;b&gt; &lt;/b&gt;(in 000s)&lt;b&gt; &lt;/b&gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Cost Basis&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Fair Value&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Maturing in:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Less than one year &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 2,001 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 2,004 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Two to five years &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;4,204 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;4,502 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Six to ten years &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,056 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,206 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Beyond &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;303,519 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;306,475 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 310,780 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 314,187 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt; &lt;/div&gt;</us-gaap:InvestmentsClassifiedByContractualMaturityDateTableTextBlock>
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  <us-gaap:InvestmentsFairValueDisclosure contextRef="As_Of_1_31_2011_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_EstimateOfFairValueFairValueDisclosureMember_us-gaap_FairValueByMeasurementFrequencyAxis_us-gaap_FairValueMeasurementsRecurringMember_us-gaap_InvestmentTypeAxis_us-gaap_MortgageBackedSecuritiesMember" unitRef="Unit13" decimals="-3">19927000</us-gaap:InvestmentsFairValueDisclosure>
  <us-gaap:InvestmentsFairValueDisclosure contextRef="As_Of_1_31_2011_us-gaap_FairValueByFairValueHierarchyLevelAxis_us-gaap_EstimateOfFairValueFairValueDisclosureMember_us-gaap_FairValueByMeasurementFrequencyAxis_us-gaap_FairValueMeasurementsRecurringMember_us-gaap_InvestmentTypeAxis_us-gaap_MunicipalBondsMember" unitRef="Unit13" decimals="-3">8740000</us-gaap:InvestmentsFairValueDisclosure>
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  <us-gaap:LoansAndLeasesReceivableAllowance contextRef="As_Of_1_31_2012" unitRef="Unit13" decimals="-3">89949000</us-gaap:LoansAndLeasesReceivableAllowance>
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  <us-gaap:LoansAndLeasesReceivableCommercial contextRef="As_Of_1_31_2012_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_hrb_EmeraldAdvanceLinesOfCreditMember_us-gaap_FairValueOffBalanceSheetRisksByFinancialInstrumentAxis_hrb_CreditQualityIndicatorCurrentYearOfOriginationMember" unitRef="Unit13" decimals="-3">21913000</us-gaap:LoansAndLeasesReceivableCommercial>
  <us-gaap:LoansAndLeasesReceivableCommercial contextRef="As_Of_1_31_2012_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_hrb_EmeraldAdvanceLinesOfCreditMember_us-gaap_FairValueOffBalanceSheetRisksByFinancialInstrumentAxis_hrb_CreditQualityIndicatorOneYearFormOriginationMember" unitRef="Unit13" decimals="-3">4848000</us-gaap:LoansAndLeasesReceivableCommercial>
  <us-gaap:LoansAndLeasesReceivableCommercial contextRef="As_Of_1_31_2012_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_hrb_EmeraldAdvanceLinesOfCreditMember_us-gaap_FairValueOffBalanceSheetRisksByFinancialInstrumentAxis_hrb_CreditQualityIndicatorThreeYearAndPriorFormOriginationMember" unitRef="Unit13" decimals="-3">2045000</us-gaap:LoansAndLeasesReceivableCommercial>
  <us-gaap:LoansAndLeasesReceivableCommercial contextRef="As_Of_1_31_2012_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_hrb_EmeraldAdvanceLinesOfCreditMember_us-gaap_FairValueOffBalanceSheetRisksByFinancialInstrumentAxis_hrb_CreditQualityIndicatorTwoYearFormOriginationMember" unitRef="Unit13" decimals="-3">4866000</us-gaap:LoansAndLeasesReceivableCommercial>
  <us-gaap:LoansAndLeasesReceivableCommercial contextRef="As_Of_1_31_2012_us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_hrb_EmeraldAdvanceLinesOfCreditMember_us-gaap_FairValueOffBalanceSheetRisksByFinancialInstrumentAxis_hrb_RevolvingLoansMember" unitRef="Unit13" decimals="-3">14398000</us-gaap:LoansAndLeasesReceivableCommercial>
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  <us-gaap:LoansAndLeasesReceivableNetReportedAmount contextRef="As_Of_1_31_2012" unitRef="Unit13" decimals="-3">430189000</us-gaap:LoansAndLeasesReceivableNetReportedAmount>
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  <us-gaap:LoansNotesTradeAndOtherReceivablesDisclosureTextBlock contextRef="Duration_5_1_2011_To_1_31_2012">&lt;div&gt; &lt;p style="margin-top: 18px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&lt;b&gt;3. Receivables &lt;/b&gt;&lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 6px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Short-term receivables of our continuing operations consist of the following: &lt;/font&gt;&lt;/p&gt;

&lt;table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="84%" align="center"&gt;
&lt;tr&gt;&lt;td style="width: 44%;"&gt; &lt;/td&gt;
&lt;td style="width: 69pt;"&gt; &lt;/td&gt;
&lt;td style="width: 69pt;"&gt; &lt;/td&gt;
&lt;td style="width: 61pt;"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;(in 000s)&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="bottom" width="60%" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;As of&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;January&amp;nbsp;31,&amp;nbsp;2012&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;January&amp;nbsp;31,&amp;nbsp;2011&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;April&amp;nbsp;30,&amp;nbsp;2011&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Emerald Advance lines of credit &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 443,717 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 674,317 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 31,645 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Receivables for tax preparation and related fees &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;333,636 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;280,364 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;38,930 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Royalties from franchisees &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;88,597 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;84,049 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;11,645 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Loans to franchisees &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;81,415 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;85,269 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;62,181 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Receivable from M&amp;amp;P &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;32,342 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;RAC fees receivable &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;28,942 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;51,704 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Tax client receivables related to RALs &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,727 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;4,874 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;2,412 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Other &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;89,665 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;95,732 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;131,302 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,100,041 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,276,309 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;278,115 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Allowance for doubtful accounts &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(64,139 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(102,837 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(47,943 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 1,035,902 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 1,173,472 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 230,172 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;

&lt;p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;As discussed in note 1, we have a short-term receivable for $&lt;font class="_mt"&gt;32.3&lt;/font&gt; million and a long-term note receivable in the amount of $&lt;font class="_mt"&gt;54.0&lt;/font&gt; million due from M&amp;amp;P related to the sale of RSM. The short-term receivable note is based on the final post-closing adjustments to the purchase price we expect to receive. The long-term note is unsecured and bears interest at a rate of &lt;font class="_mt"&gt;8.0&lt;/font&gt;%, with all principal and accrued interest due in May 2017. As of January 31, 2012, there is no allowance recorded related to the short-term receivable or the long-term note, however we will monitor publicly available information relevant to the financial condition of M&amp;amp;P to assess future collectability. The long-term note is included in other assets in our condensed consolidated balance sheet. &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;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: &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px; font-size: 12px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="84%" align="center"&gt;
&lt;tr&gt;&lt;td style="width: 41%;"&gt; &lt;/td&gt;
&lt;td style="width: 72pt;"&gt; &lt;/td&gt;
&lt;td style="width: 79pt;"&gt; &lt;/td&gt;
&lt;td style="width: 60pt;"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;(in 000s)&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Emerald&amp;nbsp;Advance&lt;/font&gt;&lt;br /&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Lines&amp;nbsp;of&amp;nbsp; Credit&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Tax Client&lt;/font&gt;&lt;br /&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Receivables&amp;nbsp;-&amp;nbsp;RALs&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Loans&lt;/font&gt;&lt;br /&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;to&amp;nbsp;Franchisees&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;As of January&amp;nbsp;31, 2012:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Short-term &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 443,717 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 1,727 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 81,415 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Long-term &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;15,001 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;5,120 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;134,136 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 458,718 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 6,847 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 215,551 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;As of January&amp;nbsp;31, 2011:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Short-term &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 674,317 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 4,874 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 85,269 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Long-term &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;13,608 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;5,856 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;131,340 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 687,925 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 10,730 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 216,609 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;As of April&amp;nbsp;30, 2011:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Short-term &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 31,645 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 2,412 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 62,181 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Long-term &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;21,619 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;5,855 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;110,420 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 53,264 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 8,267 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 172,601 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px;"&gt;&lt;font class="_mt" size="1"&gt; &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 12px; margin-bottom: 0px; font-size: 1px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;We review the credit quality of our EA receivables and tax client receivables related to RALs based on pools, which are segregated by the year of origination, with older years being deemed more unlikely to be repaid. These amounts as of January 31, 2012, by year of origination, are as follows: &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px; font-size: 12px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="76%" align="center"&gt;
&lt;tr&gt;&lt;td style="width: 46%;"&gt; &lt;/td&gt;
&lt;td style="width: 72pt;"&gt; &lt;/td&gt;
&lt;td style="width: 79pt;"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;(in 000s)&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Emerald&amp;nbsp;Advance&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Tax Client&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Lines&amp;nbsp;of&amp;nbsp;Credit&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Receivables&amp;nbsp;-&amp;nbsp;RALs&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Credit Quality Indicator &amp;#8211; Year of origination:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;2012 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 410,648 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ &amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;2011 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;21,913 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;2010 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;4,848 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;2009 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;4,866 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;2,034 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;2008 and prior &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;2,045 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;4,813 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Revolving loans &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;14,398 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 458,718 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 6,847 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;

&lt;p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;As of January 31, 2012 and April 30, 2011, $&lt;font class="_mt"&gt;41.4&lt;/font&gt; million and $&lt;font class="_mt"&gt;46.8&lt;/font&gt; million, respectively, of EAs were on non-accrual status and classified as impaired, or more than&amp;nbsp;&lt;font class="_mt"&gt;60&lt;/font&gt; days past due. All tax client receivables related to RALs are considered impaired. &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Loans made to franchisees totaled $215.6 million at January 31, 2012, and consisted of $&lt;font class="_mt"&gt;150.4&lt;/font&gt; million in term loans made to finance the purchase of franchises and $&lt;font class="_mt"&gt;65.2&lt;/font&gt; million in revolving lines of credit made to existing franchisees primarily for the purpose of funding their off-season needs. &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Activity in the allowance for doubtful accounts for the nine months ended January 31, 2012 and 2011 is as follows: &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px; font-size: 12px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"&gt;
&lt;tr&gt;&lt;td style="width: 42%;"&gt; &lt;/td&gt;
&lt;td style="width: 67pt;"&gt; &lt;/td&gt;
&lt;td style="width: 74pt;"&gt; &lt;/td&gt;
&lt;td style="width: 55pt;"&gt; &lt;/td&gt;
&lt;td style="width: 45pt;"&gt; &lt;/td&gt;
&lt;td style="width: 47pt;"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;(in 000s)&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Emerald&amp;nbsp;Advance&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Tax Client&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Loans&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;All&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Lines&amp;nbsp;of&amp;nbsp;Credit&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Receivables&amp;nbsp;-&amp;nbsp;RALs&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;to&amp;nbsp;Franchisees&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Other&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Total&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Balance as of April&amp;nbsp;30, 2011 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 4,400 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ &amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ &amp;#8212; &lt;br /&gt;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 43,543 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 47,943 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Provision &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;33,570 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;17,062 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;50,632 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Charge-offs &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(34,436 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(34,436 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Balance as of January&amp;nbsp;31, 2012 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 37,970 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ &amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ &amp;#8212; &lt;br /&gt;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 26,169 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 64,139 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Balance as of April&amp;nbsp;30, 2010 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 35,239 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 12,191 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 4 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 43,723 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 91,157 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Provision &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;71,325 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;2 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;22,961 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;94,288 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Charge-offs &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(32,919 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(12,193 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(4 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(37,492 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(82,608 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Balance as of January&amp;nbsp;31, 2011 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 73,645 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ &amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ &amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 29,192 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 102,837 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;

&lt;p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;There were no changes to our methodology related to the calculation of our allowance for doubtful accounts during the nine months ended January 31, 2012.&lt;/font&gt;&lt;/p&gt; &lt;/div&gt;</us-gaap:LoansNotesTradeAndOtherReceivablesDisclosureTextBlock>
  <us-gaap:LoansReceivableWithFixedRatesOfInterest contextRef="As_Of_4_30_2011" unitRef="Unit13" decimals="-3">-239146000</us-gaap:LoansReceivableWithFixedRatesOfInterest>
  <us-gaap:LoansReceivableWithFixedRatesOfInterest contextRef="As_Of_1_31_2012" unitRef="Unit13" decimals="-3">-219134000</us-gaap:LoansReceivableWithFixedRatesOfInterest>
  <us-gaap:LoansReceivableWithVariableRatesOfInterest contextRef="As_Of_4_30_2011" unitRef="Unit13" decimals="-3">-333828000</us-gaap:LoansReceivableWithVariableRatesOfInterest>
  <us-gaap:LoansReceivableWithVariableRatesOfInterest contextRef="As_Of_1_31_2012" unitRef="Unit13" decimals="-3">-297375000</us-gaap:LoansReceivableWithVariableRatesOfInterest>
  <us-gaap:LongTermDebt contextRef="As_Of_1_31_2011" unitRef="Unit13" decimals="-3">1039788000</us-gaap:LongTermDebt>
  <us-gaap:LongTermDebt contextRef="As_Of_4_30_2011" unitRef="Unit13" decimals="-3">1040084000</us-gaap:LongTermDebt>
  <us-gaap:LongTermDebt contextRef="As_Of_1_31_2012" unitRef="Unit13" decimals="-3">1040237000</us-gaap:LongTermDebt>
  <us-gaap:LongTermDebtAndCapitalLeaseObligations contextRef="As_Of_4_30_2011" unitRef="Unit13" decimals="-3">1039527000</us-gaap:LongTermDebtAndCapitalLeaseObligations>
  <us-gaap:LongTermDebtAndCapitalLeaseObligations contextRef="As_Of_1_31_2012" unitRef="Unit13" decimals="-3">409241000</us-gaap:LongTermDebtAndCapitalLeaseObligations>
  <us-gaap:LongTermDebtCurrent contextRef="As_Of_1_31_2011" unitRef="Unit13" decimals="-3">-551000</us-gaap:LongTermDebtCurrent>
  <us-gaap:LongTermDebtCurrent contextRef="As_Of_4_30_2011" unitRef="Unit13" decimals="-3">-557000</us-gaap:LongTermDebtCurrent>
  <us-gaap:LongTermDebtCurrent contextRef="As_Of_1_31_2012" unitRef="Unit13" decimals="-3">-630996000</us-gaap:LongTermDebtCurrent>
  <us-gaap:LongTermDebtFairValue contextRef="As_Of_1_31_2012" unitRef="Unit13" decimals="-3">1078152000</us-gaap:LongTermDebtFairValue>
  <us-gaap:LongTermDebtNoncurrent contextRef="As_Of_1_31_2011" unitRef="Unit13" decimals="-3">1039237000</us-gaap:LongTermDebtNoncurrent>
  <us-gaap:LongTermDebtNoncurrent contextRef="As_Of_4_30_2011" unitRef="Unit13" decimals="-3">1039527000</us-gaap:LongTermDebtNoncurrent>
  <us-gaap:LongTermDebtNoncurrent contextRef="As_Of_1_31_2012" unitRef="Unit13" decimals="-3">409241000</us-gaap:LongTermDebtNoncurrent>
  <us-gaap:LossContingencyAccrualAtCarryingValue contextRef="As_Of_4_30_2010" unitRef="Unit13" decimals="-3">188200000</us-gaap:LossContingencyAccrualAtCarryingValue>
  <us-gaap:LossContingencyAccrualAtCarryingValue contextRef="As_Of_4_30_2010_us-gaap_LossContingenciesByNatureOfContingencyAxis_hrb_RepurchaseAndIndemnificationsMember" unitRef="Unit13" decimals="-3">138415000</us-gaap:LossContingencyAccrualAtCarryingValue>
  <us-gaap:LossContingencyAccrualAtCarryingValue contextRef="As_Of_4_30_2010_us-gaap_LossContingenciesByNatureOfContingencyAxis_us-gaap_IndemnificationGuaranteeMember" unitRef="Unit13" decimals="-3">49785000</us-gaap:LossContingencyAccrualAtCarryingValue>
  <us-gaap:LossContingencyAccrualAtCarryingValue contextRef="As_Of_1_31_2011" unitRef="Unit13" decimals="-3">154986000</us-gaap:LossContingencyAccrualAtCarryingValue>
  <us-gaap:LossContingencyAccrualAtCarryingValue contextRef="As_Of_1_31_2011_us-gaap_LossContingenciesByNatureOfContingencyAxis_hrb_RepurchaseAndIndemnificationsMember" unitRef="Unit13" decimals="-3">130763000</us-gaap:LossContingencyAccrualAtCarryingValue>
  <us-gaap:LossContingencyAccrualAtCarryingValue contextRef="As_Of_1_31_2011_us-gaap_LossContingenciesByNatureOfContingencyAxis_us-gaap_IndemnificationGuaranteeMember" unitRef="Unit13" decimals="-3">24223000</us-gaap:LossContingencyAccrualAtCarryingValue>
  <us-gaap:LossContingencyAccrualAtCarryingValue contextRef="As_Of_4_30_2011" unitRef="Unit13" decimals="-3">126260000</us-gaap:LossContingencyAccrualAtCarryingValue>
  <us-gaap:LossContingencyAccrualAtCarryingValue contextRef="As_Of_4_30_2011_us-gaap_LossContingenciesByNatureOfContingencyAxis_hrb_RepurchaseAndIndemnificationsMember" unitRef="Unit13" decimals="-3">126260000</us-gaap:LossContingencyAccrualAtCarryingValue>
  <us-gaap:LossContingencyAccrualAtCarryingValue contextRef="As_Of_1_31_2012" unitRef="Unit13" decimals="-3">142923000</us-gaap:LossContingencyAccrualAtCarryingValue>
  <us-gaap:LossContingencyAccrualAtCarryingValue contextRef="As_Of_1_31_2012_us-gaap_LossContingenciesByNatureOfContingencyAxis_hrb_RepurchaseAndIndemnificationsMember" unitRef="Unit13" decimals="-3">142923000</us-gaap:LossContingencyAccrualAtCarryingValue>
  <us-gaap:LossContingencyAccrualCarryingValueNoncurrent contextRef="As_Of_4_30_2011" unitRef="Unit13" decimals="-5">70600000</us-gaap:LossContingencyAccrualCarryingValueNoncurrent>
  <us-gaap:LossContingencyAccrualCarryingValueNoncurrent contextRef="As_Of_1_31_2012" unitRef="Unit13" decimals="-5">89000000</us-gaap:LossContingencyAccrualCarryingValueNoncurrent>
  <us-gaap:LossContingencyAccrualCarryingValuePayments contextRef="Duration_5_1_2010_To_1_31_2011" unitRef="Unit13" decimals="-3">-25562000</us-gaap:LossContingencyAccrualCarryingValuePayments>
  <us-gaap:LossContingencyAccrualCarryingValuePayments contextRef="Duration_5_1_2010_To_4_30_2011" unitRef="Unit13" decimals="-5">49800000</us-gaap:LossContingencyAccrualCarryingValuePayments>
  <us-gaap:LossContingencyAccrualCarryingValueProvision contextRef="Duration_5_1_2011_To_1_31_2012" unitRef="Unit13" decimals="-3">20000000</us-gaap:LossContingencyAccrualCarryingValueProvision>
  <us-gaap:LossContingencyEstimateOfPossibleLoss contextRef="As_Of_1_31_2012" unitRef="Unit13" decimals="-5">142900000</us-gaap:LossContingencyEstimateOfPossibleLoss>
  <us-gaap:LossContingencyEstimateOfPossibleLoss contextRef="As_Of_1_31_2012_us-gaap_LossContingenciesByNatureOfContingencyAxis_hrb_InvestigationsLegalClaimsAndLawsuitsMember_us-gaap_RangeAxis_us-gaap_MaximumMember" unitRef="Unit13" decimals="-6">61000000</us-gaap:LossContingencyEstimateOfPossibleLoss>
  <us-gaap:LossContingencyEstimateOfPossibleLoss contextRef="As_Of_1_31_2012_us-gaap_LossContingenciesByNatureOfContingencyAxis_hrb_InvestigationsLegalClaimsAndLawsuitsMember_us-gaap_RangeAxis_us-gaap_MinimumMember" unitRef="Unit13" decimals="-5">0</us-gaap:LossContingencyEstimateOfPossibleLoss>
  <us-gaap:LossContingencyRangeOfPossibleLossMaximum contextRef="As_Of_1_31_2012" unitRef="Unit13" decimals="-5">35000000</us-gaap:LossContingencyRangeOfPossibleLossMaximum>
  <us-gaap:MinimumNetWorthRequiredForCompliance contextRef="As_Of_1_31_2012" unitRef="Unit13" decimals="-5">650000000</us-gaap:MinimumNetWorthRequiredForCompliance>
  <us-gaap:MinimumNetWorthRequiredForCompliance contextRef="As_Of_3_2_2012_us-gaap_DebtInstrumentAxis_hrb_CommittedLineOfCreditAgreementMember" unitRef="Unit13" decimals="-5">500000000</us-gaap:MinimumNetWorthRequiredForCompliance>
  <us-gaap:MortgageLoansOnRealEstate contextRef="As_Of_4_30_2010" unitRef="Unit13" decimals="-3">29252000</us-gaap:MortgageLoansOnRealEstate>
  <us-gaap:MortgageLoansOnRealEstate contextRef="As_Of_1_31_2011" unitRef="Unit13" decimals="-3">21841000</us-gaap:MortgageLoansOnRealEstate>
  <us-gaap:MortgageLoansOnRealEstate contextRef="As_Of_4_30_2011" unitRef="Unit13" decimals="-3">19532000</us-gaap:MortgageLoansOnRealEstate>
  <us-gaap:MortgageLoansOnRealEstate contextRef="As_Of_1_31_2012" unitRef="Unit13" decimals="-3">15927000</us-gaap:MortgageLoansOnRealEstate>
  <us-gaap:MortgageLoansOnRealEstateByLoanDisclosureTextBlock contextRef="Duration_5_1_2011_To_1_31_2012">&lt;div&gt; &lt;div class="MetaData"&gt;

&lt;p style="margin-top: 18px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&lt;b&gt;4. Mortgage Loans Held for Investment and Related Assets &lt;/b&gt;&lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 6px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;The composition of our mortgage loan portfolio as of January 31, 2012 and April 30, 2011 is as follows: &lt;/font&gt;&lt;/p&gt;

&lt;table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="92%" align="center"&gt;
&lt;tr&gt;&lt;td style="width: 51%;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 52pt;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 49pt;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 52pt;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 49pt;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="right"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;(dollars in 000s)&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;January&amp;nbsp;31, 2012&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;April&amp;nbsp;30, 2011&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="bottom" width="66%" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;As of&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Amount&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;%&amp;nbsp;of&amp;nbsp;Total&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Amount&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;%&amp;nbsp;of&amp;nbsp;Total&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Adjustable-rate loans &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 297,375 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;58 %&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 333,828 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;58 %&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Fixed-rate loans &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;219,134 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;42 %&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;239,146 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;42 %&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;516,509 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;100 %&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;572,974 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;100 %&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Unamortized deferred fees and costs &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;3,629 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;4,121 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Less: Allowance for loan losses &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(89,949 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(92,087 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 430,189 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 485,008 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;

&lt;p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Our loan loss allowance as a percent of mortgage loans was &lt;font class="_mt"&gt;17.4&lt;/font&gt;% at January 31, 2012, compared to &lt;font class="_mt"&gt;16.1&lt;/font&gt;% at April 30, 2011. &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 18px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Activity in the allowance for loan losses for the nine months ended January 31, 2012 and 2011 is as follows: &lt;/font&gt;&lt;/p&gt;

&lt;table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="76%" align="center"&gt;
&lt;tr&gt;&lt;td style="width: 56%;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 50pt;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 50pt;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;(in 000s)&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="bottom" width="78%" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Nine months ended January&amp;nbsp;31,&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;2012&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;2011&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Balance, beginning of the period &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 92,087 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 93,535 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Provision &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;17,275 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;24,100 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Recoveries &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;160 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;169 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Charge-offs &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(19,573 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(29,928 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Balance, end of the period &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 89,949 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 87,876 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;

&lt;p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;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: &lt;/font&gt;&lt;/p&gt;

&lt;table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="92%" align="center"&gt;
&lt;tr&gt;&lt;td style="width: 33%;"&gt; &lt;/td&gt;
&lt;td style="width: 71pt;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 76pt;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 71pt;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 76pt;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;(in 000s)&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;January&amp;nbsp;31, 2012&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;April&amp;nbsp;30, 2011&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="bottom" width="46%" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;As of&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Portfolio&amp;nbsp;Balance&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Related&amp;nbsp;Allowance&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Portfolio&amp;nbsp;Balance&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Related&amp;nbsp;Allowance&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Pooled (less than 60 days past due) &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 260,916 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 9,467 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 304,325 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 11,238 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Impaired:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Individually (TDRs) &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;84,443 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;9,011 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;106,328 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;11,056 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Individually (60 days or more past due) &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;171,150 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;71,471 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;162,321 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;69,793 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 516,509 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 89,949 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 572,974 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 92,087 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;

&lt;p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Our portfolio includes loans originated by Sand Canyon Corporation, previously known as Option One Mortgage Corporation, and its subsidiaries (SCC) and purchased by H&amp;amp;R Block Bank (HRB Bank), which constitute &lt;font class="_mt"&gt;63&lt;/font&gt;% of the total loan portfolio at January 31, 2012. We have experienced higher rates of delinquency and believe that we have greater exposure to loss with respect to this segment of our loan portfolio. Our remaining loan portfolio totaled $&lt;font class="_mt"&gt;192.4&lt;/font&gt; million and is characteristic of a prime loan portfolio, and we believe therefore subject to a lower loss exposure. Detail of our mortgage loans held for investment and the related allowance at January 31, 2012 is as follows: &lt;/font&gt;&lt;/p&gt;

&lt;table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="92%" align="center"&gt;
&lt;tr&gt;&lt;td style="width: 42%;"&gt; &lt;/td&gt;
&lt;td style="width: 71pt;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 47pt;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 61pt;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 67pt;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;(dollars&amp;nbsp;in&amp;nbsp;000s)&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Outstanding&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Loan&amp;nbsp;Loss&amp;nbsp;Allowance&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;%&amp;nbsp;30+&amp;nbsp;Days&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Principal&amp;nbsp;Balance&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Amount&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;%&amp;nbsp;of&amp;nbsp;Principal&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Past Due&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Purchased from SCC &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 324,122 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 77,373 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;23.9 %&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;47.1 %&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;All other &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;192,387 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;12,576 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;6.5 %&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;12.4 %&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 516,509 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 89,949 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;17.4 %&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;34.2 %&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;

&lt;p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Credit quality indicators at January 31, 2012 include the following: &lt;/font&gt;&lt;/p&gt;

&lt;table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="84%" align="center"&gt;
&lt;tr&gt;&lt;td style="width: 52%;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 52pt;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 52pt;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 52pt;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;(in 000s)&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="bottom" width="70%" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Credit Quality Indicators&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Purchased&lt;br /&gt;from SCC&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;All Other&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Total&lt;br /&gt;Portfolio&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Occupancy status:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Owner occupied &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 229,463 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 122,424 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 351,887 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Non-owner occupied &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;94,659 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;69,963 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;164,622 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 324,122 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 192,387 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 516,509 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Documentation level:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Full documentation &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 95,323 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 140,179 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 235,502 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Limited documentation &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;8,414 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;19,999 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;28,413 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Stated income &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;189,698 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;19,793 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;209,491 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;No documentation &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;30,687 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;12,416 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;43,103 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 324,122 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 192,387 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 516,509 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Internal risk rating:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;High &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 129,745 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ &amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 129,745 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Medium &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;194,377 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;194,377 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Low &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;192,387 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;192,387 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 324,122 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 192,387 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 516,509 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px;" align="center"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Loans given our internal risk rating of "high" were generally originated by SCC, have no documentation or are stated income and are non-owner occupied. Loans given our internal risk rating of "medium" were generally full documentation or stated income, with loan-to-value at origination of more than &lt;font class="_mt"&gt;80&lt;/font&gt;% and have credit scores at origination below &lt;font class="_mt"&gt;700&lt;/font&gt;. Loans given our internal risk rating of "low" were generally full documentation, with loan-to-value at origination of less than &lt;font class="_mt"&gt;80&lt;/font&gt;% and have credit scores greater than &lt;font class="_mt"&gt;700&lt;/font&gt;. &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;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 &lt;font class="_mt"&gt;52&lt;/font&gt;% of our mortgage loan portfolio consists of loans to borrowers located in the states of Florida, California and New York. &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 18px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Detail of the aging of the mortgage loans in our portfolio that are past due as of January 31, 2012 is as follows: &lt;/font&gt;&lt;/p&gt;

&lt;p style="padding-bottom: 0px; margin-top: 0px; margin-bottom: 0px; margin-left: 4%;"&gt; &lt;/p&gt;

&lt;div class="MetaData"&gt;

&lt;table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"&gt;
&lt;tr&gt;&lt;td style="width: 40%;"&gt; &lt;/td&gt;
&lt;td style="width: 57pt;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 50pt;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 47pt;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 47pt;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 47pt;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 47pt;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;&lt;b&gt; &lt;/b&gt;(in 000s)&lt;b&gt; &lt;/b&gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Less&amp;nbsp;than&amp;nbsp;60&lt;br /&gt;Days&amp;nbsp;Past&amp;nbsp;Due&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;60&amp;nbsp;&amp;#8211;89&amp;nbsp;Days&lt;br /&gt;Past Due&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;90+&amp;nbsp;Days&lt;br /&gt;Past&amp;nbsp;Due&lt;sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;"&gt;(1)&lt;/sup&gt;&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Total Past&lt;br /&gt;Due&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Current&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Total&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Purchased from SCC &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 28,876 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 6,159 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 141,247 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 176,282 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 147,840 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 324,122 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;All other &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;8,423 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,524 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;20,639 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;30,586 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;161,801 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;192,387 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 37,299 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 7,683 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 161,886 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 206,868 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 309,641 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 516,509 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;

&lt;p style="margin-left: 0%;" class="rfn"&gt;&amp;nbsp;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;&lt;sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;"&gt;(1)&lt;/sup&gt; &lt;/font&gt;&lt;font class="_mt"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;We do not accrue interest on loans past due 90 days or more. &lt;/font&gt;&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;

&lt;p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Information related to our non-accrual loans is as follows: &lt;/font&gt;&lt;/p&gt;

&lt;table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="76%" align="center"&gt;
&lt;tr&gt;&lt;td style="width: 50%;"&gt; &lt;/td&gt;
&lt;td style="width: 69pt;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 61pt;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;(in 000s)&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="bottom" width="70%" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;As of&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;January&amp;nbsp;31,&amp;nbsp;2012&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;April&amp;nbsp;30,&amp;nbsp;2011&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Loans:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Purchased from SCC &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 142,853 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 143,358 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Other &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;23,283 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;14,106 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;166,136 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;157,464 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;TDRs:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Purchased from SCC &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;5,729 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;2,849 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Other &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,282 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;329 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;7,011 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;3,178 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Total non-accrual loans &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 173,147 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 160,642 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;

&lt;p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Information related to impaired loans is as follows: &lt;/font&gt;&lt;/p&gt;

&lt;div class="MetaData"&gt;

&lt;div&gt;

&lt;table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="92%" align="center"&gt;
&lt;tr&gt;&lt;td style="width: 33%;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 71pt;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 79pt;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 71pt;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 76pt;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;&lt;b&gt; &lt;/b&gt;(in 000s)&lt;b&gt; &lt;/b&gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Portfolio&amp;nbsp;Balance&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Portfolio&amp;nbsp;Balance&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Total&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;With Allowance&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;With&amp;nbsp;No&amp;nbsp;Allowance&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Portfolio&amp;nbsp;Balance&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Related&amp;nbsp;Allowance&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;As of January&amp;nbsp;31, 2012:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Purchased from SCC &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 179,776 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 40,672 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 220,448 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 71,084 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Other &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;25,390 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;9,755 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;35,145 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;9,398 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 205,166 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 50,427 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 255,593 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 80,482 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;As of April&amp;nbsp;30, 2011:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Purchased from SCC&lt;/font&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;&lt;sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;"&gt; (1)&lt;/sup&gt;&lt;/font&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 180,387 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 51,674 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 232,061 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 71,733 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Other&lt;/font&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;&lt;sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;"&gt; (1)&lt;/sup&gt;&lt;/font&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;29,027 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;7,561 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;36,588 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;9,116 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 209,414 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 59,235 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 268,649 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 80,849 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;

&lt;p style="margin-left: 0%;" class="rfn"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="padding-bottom: 0px; margin-top: 0px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt; &lt;/font&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;&lt;sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;"&gt;(1)&lt;/sup&gt; &lt;/font&gt;&lt;font class="_mt"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Classification of amounts as of April 30, 2011 has been restated to conform to the current period presentation. &lt;/font&gt;&lt;/font&gt;&lt;font size="2" class="_mt"&gt; &lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;/div&gt;

&lt;p style="margin-top: 6px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt; &lt;/font&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="margin-top: 6px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Information related to the allowance for impaired loans is as follows: &lt;/font&gt;&lt;/p&gt;

&lt;table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="76%" align="center"&gt;
&lt;tr&gt;&lt;td style="width: 50%;"&gt; &lt;/td&gt;
&lt;td style="width: 69pt;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 61pt;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;(in 000s)&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="bottom" width="70%" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;As of&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;January&amp;nbsp;31,&amp;nbsp;2012&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;April&amp;nbsp;30,&amp;nbsp;2011&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Portion of total allowance for loan losses allocated to impaired loans and TDR loans:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Based on collateral value method &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 71,471 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 69,794 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Based on discounted cash flow method &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;9,011 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;11,055 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 80,482 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 80,849 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;

&lt;p style="margin-top: 6px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Information related to activities of our non-performing assets is as follows: &lt;/font&gt;&lt;/p&gt;

&lt;table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="76%" align="center"&gt;
&lt;tr&gt;&lt;td style="width: 55%;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 52pt;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 52pt;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;(in 000s)&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="bottom" width="78%" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Nine months ended January&amp;nbsp;31,&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;2012&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;2011&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Average impaired loans:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Purchased from SCC &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 224,002 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;All other &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;35,421 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 259,423 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 308,282 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Interest income on impaired loans:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Purchased from SCC &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 4,340 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;All other &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;348 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 4,688 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 4,975 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Interest income on impaired loans recognized on a cash basis on non-accrual status:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Purchased from SCC &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 4,182 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;All other &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;324 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 4,506 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 4,711 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;

&lt;p style="margin-top: 6px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Our real estate owned (REO) includes loans accounted for as in-substance foreclosures of $&lt;font class="_mt"&gt;5.7&lt;/font&gt; million and $&lt;font class="_mt"&gt;7.7&lt;/font&gt; million at January 31, 2012 and April 30, 2011, respectively. Activity related to our REO is as follows: &lt;/font&gt;&lt;/p&gt;

&lt;table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="76%" align="center"&gt;
&lt;tr&gt;&lt;td style="width: 56%;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 47pt;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 50pt;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;(in 000s)&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="bottom" width="78%" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Nine months ended January&amp;nbsp;31,&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;2012&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;2011&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Balance, beginning of the period &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 19,532 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 29,252 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Additions &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;6,521 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;12,931 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Sales &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(7,933 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(16,900 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Writedowns &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(2,193 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(3,442 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Balance, end of the period &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 15,927 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 21,841 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:MortgageLoansOnRealEstateByLoanDisclosureTextBlock>
  <us-gaap:MortgageLoansOnRealEstateCostOfMortgagesSold contextRef="Duration_5_1_2010_To_1_31_2011" unitRef="Unit13" decimals="-3">16900000</us-gaap:MortgageLoansOnRealEstateCostOfMortgagesSold>
  <us-gaap:MortgageLoansOnRealEstateCostOfMortgagesSold contextRef="Duration_5_1_2011_To_1_31_2012" unitRef="Unit13" decimals="-3">7933000</us-gaap:MortgageLoansOnRealEstateCostOfMortgagesSold>
  <us-gaap:MortgageLoansOnRealEstateOtherAdditions contextRef="Duration_5_1_2010_To_1_31_2011" unitRef="Unit13" decimals="-3">12931000</us-gaap:MortgageLoansOnRealEstateOtherAdditions>
  <us-gaap:MortgageLoansOnRealEstateOtherAdditions contextRef="Duration_5_1_2011_To_1_31_2012" unitRef="Unit13" decimals="-3">6521000</us-gaap:MortgageLoansOnRealEstateOtherAdditions>
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  <us-gaap:MortgageLoansOnRealEstateWriteDownOrReserveAmount contextRef="Duration_5_1_2011_To_1_31_2012" unitRef="Unit13" decimals="-3">2193000</us-gaap:MortgageLoansOnRealEstateWriteDownOrReserveAmount>
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  <us-gaap:OtherIncomeAndOtherExpenseDisclosureTextBlock contextRef="Duration_5_1_2011_To_1_31_2012">&lt;div&gt; &lt;p style="margin-top: 18px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&lt;b&gt;10. Interest Income and Expense &lt;/b&gt;&lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 6px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;The following table shows the components of interest income and expense of our continuing operations: &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px; font-size: 12px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="92%" align="center"&gt;
&lt;tr&gt;&lt;td style="width: 54%;"&gt; &lt;/td&gt;
&lt;td style="width: 47pt;"&gt; &lt;/td&gt;
&lt;td style="width: 47pt;"&gt; &lt;/td&gt;
&lt;td style="width: 47pt;"&gt; &lt;/td&gt;
&lt;td style="width: 47pt;"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;(in 000s)&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Three&amp;nbsp;months&amp;nbsp;ended&amp;nbsp;January&amp;nbsp;31,&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Nine&amp;nbsp;months&amp;nbsp;ended&amp;nbsp;January&amp;nbsp;31,&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;2012&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;2011&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;2012&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;2011&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Interest income:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Emerald Advance lines of credit &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 30,062 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 46,132 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 30,297 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 47,590 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Mortgage loans, net &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;4,948 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;5,923 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;15,760 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;18,771 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Other &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;4,466 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;3,957 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;13,680 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;10,305 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 39,476 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 56,012 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 59,737 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 76,666 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Interest expense:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Borrowings &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 21,382 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 21,678 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 63,625 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 62,903 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Deposits &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;2,011 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;2,587 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;5,275 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;6,457 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;FHLB advances &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;150 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;397 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;452 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,189 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 23,543 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 24,662 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 69,352 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 70,549 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt; &lt;/div&gt;</us-gaap:OtherIncomeAndOtherExpenseDisclosureTextBlock>
  <us-gaap:OtherLiabilities contextRef="As_Of_4_30_2011" unitRef="Unit13" decimals="-3">1681013000</us-gaap:OtherLiabilities>
  <us-gaap:OtherLiabilities contextRef="As_Of_4_30_2011_dei_LegalEntityAxis_hrb_BfcIssuerMember" unitRef="Unit13" decimals="-3">-26769000</us-gaap:OtherLiabilities>
  <us-gaap:OtherLiabilities contextRef="As_Of_4_30_2011_dei_LegalEntityAxis_us-gaap_ParentCompanyMember" unitRef="Unit13" decimals="-3">178000</us-gaap:OtherLiabilities>
  <us-gaap:OtherLiabilities contextRef="As_Of_4_30_2011_dei_LegalEntityAxis_us-gaap_SubsidiariesMember" unitRef="Unit13" decimals="-3">1707604000</us-gaap:OtherLiabilities>
  <us-gaap:OtherLiabilities contextRef="As_Of_1_31_2012" unitRef="Unit13" decimals="-3">1162168000</us-gaap:OtherLiabilities>
  <us-gaap:OtherLiabilities contextRef="As_Of_1_31_2012_dei_LegalEntityAxis_hrb_BfcIssuerMember" unitRef="Unit13" decimals="-3">-108361000</us-gaap:OtherLiabilities>
  <us-gaap:OtherLiabilities contextRef="As_Of_1_31_2012_dei_LegalEntityAxis_us-gaap_ParentCompanyMember" unitRef="Unit13" decimals="-3">246000</us-gaap:OtherLiabilities>
  <us-gaap:OtherLiabilities contextRef="As_Of_1_31_2012_dei_LegalEntityAxis_us-gaap_SubsidiariesMember" unitRef="Unit13" decimals="-3">1270283000</us-gaap:OtherLiabilities>
  <us-gaap:OtherLiabilitiesNoncurrent contextRef="As_Of_4_30_2011" unitRef="Unit13" decimals="-3">462372000</us-gaap:OtherLiabilitiesNoncurrent>
  <us-gaap:OtherLiabilitiesNoncurrent contextRef="As_Of_1_31_2012" unitRef="Unit13" decimals="-3">393683000</us-gaap:OtherLiabilitiesNoncurrent>
  <us-gaap:OtherLongTermDebtNoncurrent contextRef="As_Of_1_31_2011" unitRef="Unit13" decimals="-3">40913000</us-gaap:OtherLongTermDebtNoncurrent>
  <us-gaap:OtherLongTermDebtNoncurrent contextRef="As_Of_4_30_2011" unitRef="Unit13" decimals="-3">41119000</us-gaap:OtherLongTermDebtNoncurrent>
  <us-gaap:OtherLongTermDebtNoncurrent contextRef="As_Of_1_31_2012" unitRef="Unit13" decimals="-3">41002000</us-gaap:OtherLongTermDebtNoncurrent>
  <us-gaap:OtherSalesRevenueNet contextRef="Duration_5_1_2010_To_1_31_2011" unitRef="Unit13" decimals="-3">127786000</us-gaap:OtherSalesRevenueNet>
  <us-gaap:OtherSalesRevenueNet contextRef="Duration_11_1_2010_To_1_31_2011" unitRef="Unit13" decimals="-3">110370000</us-gaap:OtherSalesRevenueNet>
  <us-gaap:OtherSalesRevenueNet contextRef="Duration_5_1_2011_To_1_31_2012" unitRef="Unit13" decimals="-3">116117000</us-gaap:OtherSalesRevenueNet>
  <us-gaap:OtherSalesRevenueNet contextRef="Duration_11_1_2011_To_1_31_2012" unitRef="Unit13" decimals="-3">99564000</us-gaap:OtherSalesRevenueNet>
  <us-gaap:OtherThanTemporaryImpairmentLossesInvestmentsAvailableforsaleSecurities contextRef="Duration_5_1_2010_To_1_31_2011" unitRef="Unit13" decimals="-5">1900000</us-gaap:OtherThanTemporaryImpairmentLossesInvestmentsAvailableforsaleSecurities>
  <us-gaap:OtherThanTemporaryImpairmentLossesInvestmentsAvailableforsaleSecurities contextRef="Duration_11_1_2010_To_1_31_2011" unitRef="Unit13" decimals="-5">1500000</us-gaap:OtherThanTemporaryImpairmentLossesInvestmentsAvailableforsaleSecurities>
  <us-gaap:OtherThanTemporaryImpairmentLossesInvestmentsAvailableforsaleSecurities contextRef="Duration_5_1_2011_To_1_31_2012" unitRef="Unit13" decimals="-3">0</us-gaap:OtherThanTemporaryImpairmentLossesInvestmentsAvailableforsaleSecurities>
  <us-gaap:OtherThanTemporaryImpairmentLossesInvestmentsAvailableforsaleSecurities contextRef="Duration_11_1_2011_To_1_31_2012" unitRef="Unit13" decimals="-3">0</us-gaap:OtherThanTemporaryImpairmentLossesInvestmentsAvailableforsaleSecurities>
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  <us-gaap:ReconciliationOfRevenueFromSegmentsToConsolidatedTextBlock contextRef="Duration_5_1_2011_To_1_31_2012">&lt;div&gt; &lt;table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="92%" align="center"&gt;
&lt;tr&gt;&lt;td&gt;&amp;nbsp;&lt;/td&gt;
&lt;td&gt;&amp;nbsp;&lt;/td&gt;
&lt;td&gt;&amp;nbsp;&lt;/td&gt;
&lt;td&gt;&amp;nbsp;&lt;/td&gt;
&lt;td&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;(in 000s)&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Three&amp;nbsp;months&amp;nbsp;ended&amp;nbsp;January&amp;nbsp;31,&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Nine&amp;nbsp;months&amp;nbsp;ended&amp;nbsp;January&amp;nbsp;31,&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;2012&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;2011&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;2012&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;2011&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Revenues:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Tax Services &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 655,701 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 672,810 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 868,144 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 875,376 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Corporate &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;7,579 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;7,486 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;24,953 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;24,345 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 663,280 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 680,296 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 893,097 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 899,721 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Pretax income (loss):&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Tax Services &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 31,716 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 4,114 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (311,733 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (324,865 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Corporate &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(32,742 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(30,082 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(93,823 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(91,770 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Loss from continuing operations before income tax (benefit) &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (1,026 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (25,968 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (405,556 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (416,635 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt; &lt;/div&gt;</us-gaap:ReconciliationOfRevenueFromSegmentsToConsolidatedTextBlock>
  <us-gaap:RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock contextRef="Duration_5_1_2011_To_1_31_2012">&lt;div&gt; &lt;div class="MetaData"&gt;

&lt;p style="margin-top: 18px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&lt;b&gt;11. Regulatory Requirements &lt;/b&gt;&lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 6px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;HRB Bank historically filed its regulatory Thrift Financial Report (TFR) on a calendar quarter basis with the Office of Thrift Supervision (OTS). In July 2011, as a result of the Dodd-Frank Wall Street Reform and Consumer Protection Act (the Reform Act), the responsibility and authority of the OTS moved to the Office of the Comptroller of the Currency (OCC). HRB Bank filed its TFRs with the OCC through December 31, 2011. Beginning March 31, 2012, HRB Bank will file Reports of Condition and Income (Call Report) with the OCC quarterly. Additionally, H&amp;amp;R Block, Inc. as the bank holding company is now regulated by the Federal Reserve Bank and, as such, is subject to certain reporting requirements. &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 12px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;The following table sets forth HRB Bank's regulatory capital requirements, as calculated in its TFR: &lt;/font&gt;&lt;/p&gt;

&lt;div class="MetaData"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px; font-size: 12px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;div&gt;

&lt;table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"&gt;
&lt;tr&gt;&lt;td style="width: 48%;"&gt; &lt;/td&gt;
&lt;td style="width: 47pt;"&gt; &lt;/td&gt;
&lt;td style="width: 27pt;"&gt; &lt;/td&gt;
&lt;td style="width: 47pt;"&gt; &lt;/td&gt;
&lt;td style="width: 30pt;"&gt; &lt;/td&gt;
&lt;td style="width: 42pt;"&gt; &lt;/td&gt;
&lt;td style="width: 62pt;"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;(dollars&amp;nbsp;in&amp;nbsp;000s)&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;To Be Well Capitalized&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;For&amp;nbsp;Capital&amp;nbsp;Adequacy&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Under Prompt Corrective&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Actual&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Purposes&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Action Provisions&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Amount&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Ratio&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Amount&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Ratio&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Amount&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Ratio&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;As of December&amp;nbsp;31, 2011:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Total risk-based capital ratio &lt;/font&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;&lt;sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;"&gt;(1)&lt;/sup&gt;&lt;/font&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 411,163 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;48.8 %&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 67,407 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;8.0 %&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 84,258 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;10.0 %&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Tier 1 risk-based capital ratio &lt;/font&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;&lt;sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;"&gt;(2)&lt;/sup&gt;&lt;/font&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 400,438 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;47.5 %&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;N/A &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;N/A &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 50,555 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;6.0 %&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Tier 1 capital ratio (leverage) &lt;/font&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;&lt;sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;"&gt;(3)&lt;/sup&gt;&lt;/font&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 400,438 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;25.6 %&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 187,642 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;12.0 %&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 78,184 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;5.0 %&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Tangible equity ratio &lt;/font&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;&lt;sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;"&gt;(4)&lt;/sup&gt;&lt;/font&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 400,438 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;25.6 %&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 23,455 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1.5 %&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;N/A &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;N/A &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;As of March&amp;nbsp;31, 2011:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Total risk-based capital ratio &lt;/font&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;&lt;sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;"&gt;(1)&lt;/sup&gt;&lt;/font&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 405,000 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;92.5 %&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 35,019 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;8.0 %&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 43,773 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;10.0 %&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Tier 1 risk-based capital ratio &lt;/font&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;&lt;sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;"&gt;(2)&lt;/sup&gt;&lt;/font&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 399,187 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;91.2 %&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;N/A &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;N/A &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 26,264 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;6.0 %&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Tier 1 capital ratio (leverage) &lt;/font&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;&lt;sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;"&gt;(3) &lt;/sup&gt;&lt;/font&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 399,187 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;22.8 %&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 209,758 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;12.0 %&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 87,399 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;5.0 %&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Tangible equity ratio &lt;/font&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;&lt;sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;"&gt;(4)&lt;/sup&gt;&lt;/font&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 399,187 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;22.8 %&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 26,220 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1.5 %&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;N/A &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;N/A &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;

&lt;p style="padding-bottom: 0px; margin-top: 0px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt; &lt;/font&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;&lt;sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;"&gt; &lt;/sup&gt;&lt;/font&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="padding-bottom: 0px; margin-top: 0px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;&lt;sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;"&gt;(1)&lt;/sup&gt;&amp;nbsp;&lt;/font&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&lt;font class="_mt"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Total risk-based capital divided by risk-weighted assets.&lt;/font&gt;&lt;/font&gt; &lt;/font&gt;&lt;/p&gt;

&lt;p style="padding-bottom: 0px; margin-top: 0px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt; &lt;/font&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;&lt;sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;"&gt;(2)&lt;/sup&gt;&amp;nbsp;&lt;/font&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&lt;font class="_mt"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Tier 1 (core) capital less deduction for low-level recourse and residual interest divided by risk-weighted assets.&lt;/font&gt;&lt;/font&gt; &lt;/font&gt;&lt;/p&gt;

&lt;p style="padding-bottom: 0px; margin-top: 0px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt; &lt;/font&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;&lt;sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;"&gt;(3)&lt;/sup&gt; &lt;/font&gt;&lt;font class="_mt"&gt;&lt;font class="_mt"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Tier 1 (core) capital divided by adjusted total assets.&lt;/font&gt;&lt;/font&gt;&lt;/font&gt;&lt;/p&gt;

&lt;p style="padding-bottom: 0px; margin-top: 0px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;&lt;sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;"&gt;(4)&lt;/sup&gt; &lt;/font&gt;&lt;font class="_mt"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Tangible capital divided by tangible assets. &lt;/font&gt;&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;/div&gt;

&lt;p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Block Financial LLC (BFC) typically makes capital contributions to HRB Bank to help it meet its capital requirements. BFC made capital contributions to HRB Bank of $&lt;font class="_mt"&gt;200.0&lt;/font&gt; million during the nine months ended January 31, 2012, with an additional $&lt;font class="_mt"&gt;200.0&lt;/font&gt; million contributed in February 2012. &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;As of January 31, 2012, HRB Bank's leverage ratio was &lt;font class="_mt"&gt;27.1&lt;/font&gt;%.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock>
  <us-gaap:RelatedPartyTransactionDueFromToRelatedParty contextRef="As_Of_4_30_2011_dei_LegalEntityAxis_hrb_BfcIssuerMember" unitRef="Unit13" decimals="-3">24173000</us-gaap:RelatedPartyTransactionDueFromToRelatedParty>
  <us-gaap:RelatedPartyTransactionDueFromToRelatedParty contextRef="As_Of_4_30_2011_dei_LegalEntityAxis_us-gaap_ParentCompanyMember" unitRef="Unit13" decimals="-3">1263504000</us-gaap:RelatedPartyTransactionDueFromToRelatedParty>
  <us-gaap:RelatedPartyTransactionDueFromToRelatedParty contextRef="As_Of_4_30_2011_dei_LegalEntityAxis_us-gaap_SubsidiariesMember" unitRef="Unit13" decimals="-3">-1287677000</us-gaap:RelatedPartyTransactionDueFromToRelatedParty>
  <us-gaap:RelatedPartyTransactionDueFromToRelatedParty contextRef="As_Of_1_31_2012_dei_LegalEntityAxis_hrb_BfcIssuerMember" unitRef="Unit13" decimals="-3">68684000</us-gaap:RelatedPartyTransactionDueFromToRelatedParty>
  <us-gaap:RelatedPartyTransactionDueFromToRelatedParty contextRef="As_Of_1_31_2012_dei_LegalEntityAxis_us-gaap_ParentCompanyMember" unitRef="Unit13" decimals="-3">896937000</us-gaap:RelatedPartyTransactionDueFromToRelatedParty>
  <us-gaap:RelatedPartyTransactionDueFromToRelatedParty contextRef="As_Of_1_31_2012_dei_LegalEntityAxis_us-gaap_SubsidiariesMember" unitRef="Unit13" decimals="-3">-965621000</us-gaap:RelatedPartyTransactionDueFromToRelatedParty>
  <us-gaap:RepaymentsOfCommercialPaper contextRef="Duration_5_1_2010_To_1_31_2011" unitRef="Unit13" decimals="-3">2654653000</us-gaap:RepaymentsOfCommercialPaper>
  <us-gaap:RepaymentsOfCommercialPaper contextRef="Duration_5_1_2011_To_1_31_2012" unitRef="Unit13" decimals="-3">413221000</us-gaap:RepaymentsOfCommercialPaper>
  <us-gaap:RepaymentsOfCommercialPaper contextRef="Duration_5_1_2011_To_1_31_2012_dei_LegalEntityAxis_hrb_BfcIssuerMember" unitRef="Unit13" decimals="-3">413221000</us-gaap:RepaymentsOfCommercialPaper>
  <us-gaap:RepaymentsOfShortTermDebt contextRef="Duration_5_1_2010_To_1_31_2011" unitRef="Unit13" decimals="-3">2654653000</us-gaap:RepaymentsOfShortTermDebt>
  <us-gaap:RepaymentsOfShortTermDebt contextRef="Duration_5_1_2010_To_1_31_2011_dei_LegalEntityAxis_hrb_BfcIssuerMember" unitRef="Unit13" decimals="-3">2654653000</us-gaap:RepaymentsOfShortTermDebt>
  <us-gaap:RestrictedCashAndInvestmentsCurrent contextRef="As_Of_4_30_2011" unitRef="Unit13" decimals="-3">48383000</us-gaap:RestrictedCashAndInvestmentsCurrent>
  <us-gaap:RestrictedCashAndInvestmentsCurrent contextRef="As_Of_4_30_2011_dei_LegalEntityAxis_hrb_BfcIssuerMember" unitRef="Unit13" decimals="-3">9522000</us-gaap:RestrictedCashAndInvestmentsCurrent>
  <us-gaap:RestrictedCashAndInvestmentsCurrent contextRef="As_Of_4_30_2011_dei_LegalEntityAxis_us-gaap_SubsidiariesMember" unitRef="Unit13" decimals="-3">38861000</us-gaap:RestrictedCashAndInvestmentsCurrent>
  <us-gaap:RestrictedCashAndInvestmentsCurrent contextRef="As_Of_1_31_2012" unitRef="Unit13" decimals="-3">34168000</us-gaap:RestrictedCashAndInvestmentsCurrent>
  <us-gaap:RestrictedCashAndInvestmentsCurrent contextRef="As_Of_1_31_2012_dei_LegalEntityAxis_hrb_BfcIssuerMember" unitRef="Unit13" decimals="-3">2254000</us-gaap:RestrictedCashAndInvestmentsCurrent>
  <us-gaap:RestrictedCashAndInvestmentsCurrent contextRef="As_Of_1_31_2012_dei_LegalEntityAxis_us-gaap_SubsidiariesMember" unitRef="Unit13" decimals="-3">31914000</us-gaap:RestrictedCashAndInvestmentsCurrent>
  <us-gaap:RetainedEarningsAccumulatedDeficit contextRef="As_Of_4_30_2011" unitRef="Unit13" decimals="-3">2658103000</us-gaap:RetainedEarningsAccumulatedDeficit>
  <us-gaap:RetainedEarningsAccumulatedDeficit contextRef="As_Of_1_31_2012" unitRef="Unit13" decimals="-3">2018252000</us-gaap:RetainedEarningsAccumulatedDeficit>
  <us-gaap:Revenues contextRef="Duration_5_1_2010_To_1_31_2011" unitRef="Unit13" decimals="-3">899721000</us-gaap:Revenues>
  <us-gaap:Revenues contextRef="Duration_5_1_2010_To_1_31_2011_dei_LegalEntityAxis_hrb_BfcIssuerMember" unitRef="Unit13" decimals="-3">112423000</us-gaap:Revenues>
  <us-gaap:Revenues contextRef="Duration_5_1_2010_To_1_31_2011_dei_LegalEntityAxis_us-gaap_SubsidiariesMember" unitRef="Unit13" decimals="-3">787298000</us-gaap:Revenues>
  <us-gaap:Revenues contextRef="Duration_11_1_2010_To_1_31_2011" unitRef="Unit13" decimals="-3">680296000</us-gaap:Revenues>
  <us-gaap:Revenues contextRef="Duration_11_1_2010_To_1_31_2011_dei_LegalEntityAxis_hrb_BfcIssuerMember" unitRef="Unit13" decimals="-3">74103000</us-gaap:Revenues>
  <us-gaap:Revenues contextRef="Duration_11_1_2010_To_1_31_2011_dei_LegalEntityAxis_us-gaap_SubsidiariesMember" unitRef="Unit13" decimals="-3">606193000</us-gaap:Revenues>
  <us-gaap:Revenues contextRef="Duration_5_1_2011_To_1_31_2012" unitRef="Unit13" decimals="-3">893097000</us-gaap:Revenues>
  <us-gaap:Revenues contextRef="Duration_5_1_2011_To_1_31_2012_dei_LegalEntityAxis_hrb_BfcIssuerMember" unitRef="Unit13" decimals="-3">104937000</us-gaap:Revenues>
  <us-gaap:Revenues contextRef="Duration_5_1_2011_To_1_31_2012_dei_LegalEntityAxis_us-gaap_BusinessIntersegmentEliminationsMember" unitRef="Unit13" decimals="-3">-161000</us-gaap:Revenues>
  <us-gaap:Revenues contextRef="Duration_5_1_2011_To_1_31_2012_dei_LegalEntityAxis_us-gaap_SubsidiariesMember" unitRef="Unit13" decimals="-3">788321000</us-gaap:Revenues>
  <us-gaap:Revenues contextRef="Duration_11_1_2011_To_1_31_2012" unitRef="Unit13" decimals="-3">663280000</us-gaap:Revenues>
  <us-gaap:Revenues contextRef="Duration_11_1_2011_To_1_31_2012_dei_LegalEntityAxis_hrb_BfcIssuerMember" unitRef="Unit13" decimals="-3">65604000</us-gaap:Revenues>
  <us-gaap:Revenues contextRef="Duration_11_1_2011_To_1_31_2012_dei_LegalEntityAxis_us-gaap_BusinessIntersegmentEliminationsMember" unitRef="Unit13" decimals="-3">-161000</us-gaap:Revenues>
  <us-gaap:Revenues contextRef="Duration_11_1_2011_To_1_31_2012_dei_LegalEntityAxis_us-gaap_SubsidiariesMember" unitRef="Unit13" decimals="-3">597837000</us-gaap:Revenues>
  <us-gaap:SalariesAndWages contextRef="Duration_5_1_2010_To_1_31_2011" unitRef="Unit13" decimals="-3">327734000</us-gaap:SalariesAndWages>
  <us-gaap:SalariesAndWages contextRef="Duration_11_1_2010_To_1_31_2011" unitRef="Unit13" decimals="-3">206970000</us-gaap:SalariesAndWages>
  <us-gaap:SalariesAndWages contextRef="Duration_5_1_2011_To_1_31_2012" unitRef="Unit13" decimals="-3">316139000</us-gaap:SalariesAndWages>
  <us-gaap:SalariesAndWages contextRef="Duration_11_1_2011_To_1_31_2012" unitRef="Unit13" decimals="-3">207480000</us-gaap:SalariesAndWages>
  <us-gaap:SalesRevenueServicesNet contextRef="Duration_5_1_2010_To_1_31_2011" unitRef="Unit13" decimals="-3">695269000</us-gaap:SalesRevenueServicesNet>
  <us-gaap:SalesRevenueServicesNet contextRef="Duration_11_1_2010_To_1_31_2011" unitRef="Unit13" decimals="-3">513914000</us-gaap:SalesRevenueServicesNet>
  <us-gaap:SalesRevenueServicesNet contextRef="Duration_5_1_2011_To_1_31_2012" unitRef="Unit13" decimals="-3">717243000</us-gaap:SalesRevenueServicesNet>
  <us-gaap:SalesRevenueServicesNet contextRef="Duration_11_1_2011_To_1_31_2012" unitRef="Unit13" decimals="-3">524240000</us-gaap:SalesRevenueServicesNet>
  <us-gaap:ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock contextRef="Duration_5_1_2011_To_1_31_2012">&lt;div&gt; &lt;table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="84%" align="center"&gt;
&lt;tr&gt;&lt;td style="width: 41%;"&gt; &lt;/td&gt;
&lt;td style="width: 72pt;"&gt; &lt;/td&gt;
&lt;td style="width: 79pt;"&gt; &lt;/td&gt;
&lt;td style="width: 60pt;"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;(in 000s)&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Emerald&amp;nbsp;Advance&lt;/font&gt;&lt;br /&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Lines&amp;nbsp;of&amp;nbsp; Credit&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Tax Client&lt;/font&gt;&lt;br /&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Receivables&amp;nbsp;-&amp;nbsp;RALs&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Loans&lt;/font&gt;&lt;br /&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;to&amp;nbsp;Franchisees&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;As of January&amp;nbsp;31, 2012:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Short-term &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 443,717 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 1,727 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 81,415 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Long-term &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;15,001 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;5,120 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;134,136 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 458,718 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 6,847 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 215,551 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;As of January&amp;nbsp;31, 2011:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Short-term &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 674,317 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 4,874 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 85,269 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Long-term &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;13,608 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;5,856 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;131,340 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 687,925 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 10,730 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 216,609 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;As of April&amp;nbsp;30, 2011:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Short-term &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 31,645 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 2,412 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 62,181 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Long-term &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;21,619 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;5,855 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;110,420 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 53,264 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 8,267 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 172,601 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt; &lt;/div&gt;</us-gaap:ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock>
  <us-gaap:ScheduleOfDebtTableTextBlock contextRef="Duration_5_1_2011_To_1_31_2012">&lt;div&gt; &lt;table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="84%" align="center"&gt;
&lt;tr&gt;&lt;td style="width: 44%;"&gt; &lt;/td&gt;
&lt;td style="width: 69pt;"&gt; &lt;/td&gt;
&lt;td style="width: 69pt;"&gt; &lt;/td&gt;
&lt;td style="width: 61pt;"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;(in 000s)&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="bottom" width="60%" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;As of&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;January&amp;nbsp;31,&amp;nbsp;2012&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;January&amp;nbsp;31,&amp;nbsp;2011&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;April&amp;nbsp;30,&amp;nbsp;2011&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Commercial paper &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 230,947 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 632,566 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ &amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td height="8"&gt; &lt;/td&gt;
&lt;td height="8"&gt; &lt;/td&gt;
&lt;td height="8"&gt; &lt;/td&gt;
&lt;td height="8"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Senior Notes, &lt;font class="_mt"&gt;7.875&lt;/font&gt;%, due&amp;nbsp;&lt;font class="_mt"&gt;January 2013&lt;/font&gt; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 599,871 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 599,758 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 599,788 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Senior Notes, &lt;font class="_mt"&gt;5.125&lt;/font&gt;%, due&amp;nbsp;&lt;font class="_mt"&gt;October 2014&lt;/font&gt; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;399,364 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;399,117 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;399,177 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Other &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;41,002 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;40,913 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;41,119 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Total long-term debt &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,040,237 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,039,788 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,040,084 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Less: Current portion &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(630,996 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(551 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(557 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 409,241 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 1,039,237 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 1,039,527 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt; &lt;/div&gt;</us-gaap:ScheduleOfDebtTableTextBlock>
  <us-gaap:ScheduleOfDisposalGroupsIncludingDiscontinuedOperationsIncomeStatementBalanceSheetAndAdditionalDisclosuresTextBlock contextRef="Duration_5_1_2011_To_1_31_2012">&lt;div&gt; &lt;p style="margin-top: 18px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&lt;b&gt;13. Discontinued Operations &lt;/b&gt;&lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 6px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;As of January 31, 2012, the results of operations and the related losses on the sale of RSM and MCM businesses are presented as discontinued operations in the condensed consolidated financial statements. Our discontinued operations also include the results of operations of SCC, which exited its mortgage business in fiscal year 2008. &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;In connection with the sale of RSM and MCM, we indemnified the buyers against certain litigation matters. The indemnities are not subject to a stated term or limit. Accounting Standards Codification 460 &amp;#8211; Guarantees (ASC 460) requires that we recognize a liability for the estimated fair value of guarantee and indemnification obligations at the inception of the arrangement. We have estimated an aggregate fair value of $&lt;font class="_mt"&gt;6.0&lt;/font&gt; million related to these indemnifications and recorded a liability in that amount as of the date of the sales. Subsequent changes in this liability will be determined in accordance with ASC 460 and ASC 450 &amp;#8211; Loss Contingencies and recorded in discontinued operations. &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;The results of operations of our discontinued operations are as follows: &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px; font-size: 12px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="92%" align="center"&gt;
&lt;tr&gt;&lt;td style="width: 50%;"&gt; &lt;/td&gt;
&lt;td style="width: 50pt;"&gt; &lt;/td&gt;
&lt;td style="width: 52pt;"&gt; &lt;/td&gt;
&lt;td style="width: 55pt;"&gt; &lt;/td&gt;
&lt;td style="width: 52pt;"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;&lt;b&gt; &lt;/b&gt;(in 000s)&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Three&amp;nbsp;months&amp;nbsp;ended&amp;nbsp;January&amp;nbsp;31,&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Nine&amp;nbsp;months&amp;nbsp;ended&amp;nbsp;January&amp;nbsp;31,&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;2012&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;2011&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;2012&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;2011&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Revenues &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 50,508 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 171,071 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 416,436 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 549,180 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Pretax income (loss) from operations:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;RSM and related businesses &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 1,117 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 8,327 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 18,831 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 15,228 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Mortgage &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(27,385 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(10,551 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(54,019 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(17,125 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(26,268 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(2,224 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(35,188 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(1,897 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Income taxes (benefit) &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(6,462 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(537 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(10,268 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;268 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Net income (loss) from operations &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(19,806 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(1,687 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(24,920 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(2,165 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Pretax loss on sales of businesses &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(236 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(109,485 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Income tax benefit &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(20,260 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(59,969 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Net gain (loss) on sales of businesses &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;20,024 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(49,519 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Net income (loss) from discontinued operations &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 218 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (1,687 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (74,436 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (2,165 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;

&lt;p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;The sale of RSM resulted in a pretax financial statement loss, but produced a gain for tax purposes. The tax gain resulted primarily from larger amortization deductions taken for tax purposes than for financial statement purposes. A portion of the gain from the sale of intangible assets is capital in nature and can be offset by utilization of capital loss carry forwards. A net income tax benefit of $&lt;font class="_mt"&gt;20.5&lt;/font&gt; million was recorded in discontinued operations related to the sale.&lt;/font&gt;&lt;/p&gt; &lt;/div&gt;</us-gaap:ScheduleOfDisposalGroupsIncludingDiscontinuedOperationsIncomeStatementBalanceSheetAndAdditionalDisclosuresTextBlock>
  <us-gaap:ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock contextRef="Duration_5_1_2011_To_1_31_2012">&lt;div&gt; &lt;table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="92%" align="center"&gt;
&lt;tr&gt;&lt;td style="width: 49%;"&gt; &lt;/td&gt;
&lt;td style="width: 52pt;"&gt; &lt;/td&gt;
&lt;td style="width: 52pt;"&gt; &lt;/td&gt;
&lt;td style="width: 55pt;"&gt; &lt;/td&gt;
&lt;td style="width: 55pt;"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;&lt;b&gt; &lt;/b&gt;(in&amp;nbsp;000s,&amp;nbsp;except&amp;nbsp;per&amp;nbsp;share&amp;nbsp; amounts)&lt;b&gt; &lt;/b&gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Three&amp;nbsp;months&amp;nbsp;ended&amp;nbsp;January&amp;nbsp;31,&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Nine&amp;nbsp;months&amp;nbsp;ended&amp;nbsp;January&amp;nbsp;31,&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;2012&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;2011&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;2012&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;&lt;b&gt; &lt;/b&gt;2011&lt;b&gt; &lt;/b&gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Net loss from continuing operations attributable to shareholders &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (3,567 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (11,034 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (245,735 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (250,286 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Amounts allocated to participating securities (nonvested shares)&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;24 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(148 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(152 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(142 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Net loss from continuing operations attributable to common shareholders &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (3,543 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (11,182 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (245,887 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (250,428 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Basic weighted average common shares &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;292,963 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;305,144 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;299,450 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;310,546 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Potential dilutive shares &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&amp;#8212;&amp;nbsp;&amp;nbsp; &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Dilutive weighted average common shares &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;292,963 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;305,144 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;299,450 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;310,546 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Loss per share from continuing operations:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Basic &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (0.01 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (0.04 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (0.82 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (0.80 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Diluted &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(0.01 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(0.04 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(0.82 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(0.80 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt; &lt;/div&gt;</us-gaap:ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock>
  <us-gaap:ScheduleOfFiniteLivedIntangibleAssetsByMajorClassTextBlock contextRef="Duration_5_1_2011_To_1_31_2012">&lt;div&gt; &lt;table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center"&gt;
&lt;tr&gt;&lt;td style="width: 40%;"&gt; &lt;/td&gt;
&lt;td style="width: 47pt;"&gt; &lt;/td&gt;
&lt;td style="width: 52pt;"&gt; &lt;/td&gt;
&lt;td style="width: 50pt;"&gt; &lt;/td&gt;
&lt;td style="width: 47pt;"&gt; &lt;/td&gt;
&lt;td style="width: 52pt;"&gt; &lt;/td&gt;
&lt;td style="width: 47pt;"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;&lt;b&gt; &lt;/b&gt;(in 000s)&lt;b&gt; &lt;/b&gt;&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="3" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;January&amp;nbsp;31, 2012&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="3" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;April&amp;nbsp;30, 2011&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="bottom" width="54%" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;As of&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Gross&lt;br /&gt;Carrying&lt;br /&gt;Amount&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Accumulated&lt;br /&gt;Amortization&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Net&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Gross&lt;br /&gt;Carrying&lt;br /&gt;Amount&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Accumulated&lt;br /&gt;Amortization&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Net&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Tax Services:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Customer relationships &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 90,355 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (44,805 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 45,550 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 87,624 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (41,076 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 46,548 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Noncompete agreements &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;23,725 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(22,628 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,097 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;23,456 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(22,059 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,397 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Reacquired franchise rights &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;214,330 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(13,052 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;201,278 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;214,330 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(9,961 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;204,369 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Franchise agreements &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;19,201 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(4,053 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;15,148 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;19,201 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(3,093 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;16,108 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Purchased technology &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;14,700 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(10,200 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;4,500 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;14,700 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(8,505 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;6,195 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Trade name &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,325 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(750 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;575 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;1,325 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(600 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;725 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 363,636 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (95,488 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ &amp;nbsp;268,148 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 360,636 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (85,294 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 275,342 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt; &lt;/div&gt;</us-gaap:ScheduleOfFiniteLivedIntangibleAssetsByMajorClassTextBlock>
  <us-gaap:ScheduleOfGoodwillTextBlock contextRef="Duration_5_1_2011_To_1_31_2012">&lt;div&gt; &lt;table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="68%" align="center"&gt;
&lt;tr&gt;&lt;td style="width: 57%;"&gt; &lt;/td&gt;
&lt;td style="width: 56pt;"&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;(in 000s)&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Tax&amp;nbsp;Services&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Balance at April&amp;nbsp;30, 2011:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Goodwill &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 459,039 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Accumulated impairment losses &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(24,888 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;434,151 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Changes:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Acquisitions &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;9,506 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Disposals and foreign currency changes &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(5,805 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Impairments &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(4,257 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Balance at January&amp;nbsp;31, 2012:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Goodwill &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;462,740 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Accumulated impairment losses &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(29,145 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 433,595 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt; &lt;/div&gt;</us-gaap:ScheduleOfGoodwillTextBlock>
  <us-gaap:ScheduleOfLossContingenciesByContingencyTextBlock contextRef="Duration_5_1_2011_To_1_31_2012">&lt;div&gt; &lt;p style="margin-top: 18px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&lt;b&gt;14. Litigation and Related Contingencies&lt;/b&gt; &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 6px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;We are a defendant in a large number of litigation matters, arising both in the ordinary course of business and otherwise, including as described below. The matters described below are not all of the lawsuits to which we are subject. In some of the matters, very large and/or indeterminate amounts, including punitive damages, are sought. U.S. jurisdictions permit considerable variation in the assertion of monetary damages or other relief. Jurisdictions may permit claimants not to specify the monetary damages sought or may permit claimants to state only that the amount sought is sufficient to invoke the jurisdiction of the trial court. In addition, jurisdictions may permit plaintiffs to allege monetary damages in amounts well exceeding reasonably possible verdicts in the jurisdiction for similar matters. We believe that the monetary relief which may be specified in a lawsuit or claim bears little relevance to its merits or disposition value due to this variability in pleadings and our experience in litigating or resolving through settlement numerous claims over an extended period of time. &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;The outcome of a litigation matter and the amount or range of potential loss at particular points in time may be difficult to ascertain. Among other things, uncertainties can include how fact finders will evaluate documentary evidence and the credibility and effectiveness of witness testimony, and how trial and appellate courts will apply the law. Disposition valuations are also subject to the uncertainty of how opposing parties and their counsel will themselves view the relevant evidence and applicable law. &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;In addition to litigation matters, we are also subject to other claims and regulatory investigations arising out of our business activities, including as described below. &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;We establish liabilities for litigation and regulatory loss contingencies when it is probable that a loss has been incurred and the amount of the loss can be reasonably estimated. Liabilities have been established for a number of the matters noted below. For such matters where a loss is believed to be reasonably possible, but not probable, no accrual has been made. It is possible that litigation and regulatory matters could require us to pay damages or make other expenditures or establish accruals in amounts that could not be reasonably estimated at January 31, 2012. While the potential future charges could be material in the particular quarterly or annual periods in which they are recorded, based on information currently known, we do not believe any such charges are likely to have a material adverse effect on our consolidated financial position, results of operations and cash flows. As of January 31, 2012, we have accrued $&lt;font class="_mt"&gt;89.0&lt;/font&gt; million, including obligations under certain indemnifications, compared to $&lt;font class="_mt"&gt;70.6&lt;/font&gt; million at April 30, 2011. &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 18px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Matters as to Which an Estimate Can Be Made &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 6px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;For some matters, we are able to estimate a reasonably possible range of loss. For those matters, as of January 31, 2012, we estimate the aggregate range of reasonably possible losses in excess of amounts accrued to be approximately $&lt;font class="_mt"&gt;0&lt;/font&gt; to $&lt;font class="_mt"&gt;61&lt;/font&gt; million. &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 18px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Matters as to Which an Estimate Cannot Be Made &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 6px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;For other matters, we are not currently able to estimate the reasonably possible loss or range of loss. We are often unable to estimate the possible loss or range of loss until developments in such matters have provided sufficient information to support an assessment of the range of possible loss, such as quantification of a damage demand from plaintiffs, discovery from other parties and investigation of factual allegations, rulings by the court on motions or appeals, analysis by experts, and the progress of settlement negotiations. On a quarterly and annual basis, we review relevant information with respect to litigation contingencies and update our accruals, disclosures and estimates of reasonably possible losses or ranges of loss based on such reviews. &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 18px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Litigation and Other Claims Pertaining to Discontinued Mortgage Operations &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 6px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Although SCC's mortgage loan origination activities ceased in December 2007 and SCC's loan servicing business was sold in April 2008, SCC and HRB have been, remain and may in the future be subject to investigations, claims and lawsuits pertaining to SCC's mortgage business activities that occurred prior to such termination and sale. These investigations, claims and lawsuits include actions by state and federal regulators, third party indemnitees, individual plaintiffs, and cases in which plaintiffs seek to represent a class of others alleged to be similarly situated. Among other things, these investigations, claims and lawsuits allege discriminatory or unfair and deceptive loan origination and servicing practices, fraud and other common law torts, rights to indemnification, and violations of securities laws, the Truth in Lending Act (TILA), Equal Credit Opportunity Act and the Fair Housing Act. Given the non-prime mortgage environment, the number of these investigations, claims and lawsuits has increased over time and is expected to continue to increase further. The amounts claimed in these investigations, claims and lawsuits are substantial in some instances, and the ultimate resulting liability is difficult to predict and thus in many cases cannot be reasonably estimated. In the event of unfavorable outcomes, the amounts that may be required to be paid in the discharge of liabilities or settlements could be substantial and could have a material impact on our consolidated financial position, results of operations and cash flows. Certain of these matters are described in more detail below. &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;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 &lt;i&gt;Cecil Barrett, et al. v. Option One Mortgage Corp., et al. &lt;/i&gt;(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;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. SCC has filed a motion to decertify the class, which remains pending. A portion of our loss contingency accrual is related to this lawsuit for the amount of loss that we consider probable and estimable. We believe SCC has meritorious defenses to the claims in this case and it intends to defend the case vigorously, but there can be no assurances as to its outcome or its impact on our consolidated financial position, results of operations and cash flows. &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;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;amp;R Block, Inc. styled &lt;i&gt;Jeanne Drake, et al. v. Option One Mortgage Corp., et al. &lt;/i&gt;(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 &lt;/font&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;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 $&lt;font class="_mt"&gt;8&lt;/font&gt; million, interest and attorney's fees, in addition to penalties and punitive damages on certain claims. On September 2, 2011, the court granted summary judgment in favor of the defendants on all claims. Plaintiffs have filed an appeal, which remains pending. We have not concluded that a loss related to this matter is probable nor have we established a loss contingency related to this matter. We believe we have meritorious defenses to the claims in this case and intend to defend the case vigorously, but there can be no assurances as to its outcome or its impact on our consolidated financial position, results of operations and cash flows. &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;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 &lt;i&gt;Federal Home Loan Bank of Chicago v. Bank of America Funding Corporation, et al.&lt;/i&gt; against multiple defendants, including various SCC-related entities, H&amp;amp;R Block, Inc. and other entities, arising out of FHLB's purchase of mortgage-backed securities. The plaintiff seeks rescission and damages under state securities law and for common law negligent misrepresentation in connection with its purchase of two securities originated and securitized by SCC. These two securities had a total initial principal amount of approximately $&lt;font class="_mt"&gt;50&lt;/font&gt; million, of which approximately $&lt;font class="_mt"&gt;41&lt;/font&gt; million remains outstanding. The plaintiff agreed to voluntarily dismiss H&amp;amp;R Block, Inc. from the suit. The remaining defendants, including SCC, have filed motions to dismiss, which are pending. We have not concluded that a loss related to this matter is probable nor have we established a loss contingency related to this matter. We believe SCC has meritorious defenses to the claims in this case and intends to defend the case vigorously, but there can be no assurances as to its outcome or its impact on our consolidated financial position, results of operations and cash flows. &lt;/font&gt;&lt;/p&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;
&lt;/font&gt;
&lt;p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;SCC has been working with the staff of the U.S. Securities and Exchange Commission in connection with the staff's investigation of matters related to eighteen RMBS transactions of SCC. Based on the progress of the investigation, the scope of which has continued to narrow in focus, SCC has offered to resolve the matter with the payment of approximately $&lt;font class="_mt"&gt;28&lt;/font&gt; million. As a result, SCC has established a liability as of January 31, 2012, which is included in our loss contingency accrual. Although we believe that this matter can be resolved on satisfactory terms, any resolution of this matter would require approval by the U.S. Securities and Exchange Commission and of the U.S District Court, neither of which has been obtained, and which we cannot provide assurance will be obtained on satisfactory terms or at all. &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;SCC or its subsidiaries entered into indemnification agreements with certain third parties that sold or underwrote the sale of securities. Some of those third parties are defendants in lawsuits where various other parties are seeking damages and other remedies based on the activities of such third parties in the sale of RMBS, including in some instances, SCC securitizations. SCC has received notices from some of these third parties for indemnification against losses, including defense costs, that those third parties might incur as a result of these lawsuits. We have not concluded that a loss related to any of these matters is probable nor have we established a loss contingency related to any of these matters. &lt;/p&gt;

&lt;p style="margin-top: 18px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Employment-Related Claims and Litigation &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 6px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;We have been named in several wage and hour class action lawsuits throughout the country, including &lt;i&gt;Alice Williams v. H&amp;amp;R Block Enterprises LLC&lt;/i&gt;, Case No. RG08366506 (Superior Court of California, County of Alameda, filed January 17, 2008) (alleging improper classification and failure to compensate for all hours worked and to provide meal periods to office managers in California); &lt;i&gt;Arabella Lemus, et al. v. H&amp;amp;R Block Enterprises LLC, et al., &lt;/i&gt;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); &lt;i&gt;Delana Ugas, et al. v. H&amp;amp;R Block Enterprises LLC, et al., &lt;/i&gt;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 &lt;i&gt;Barbara Petroski, et al. v. H&amp;amp;R Block Eastern Enterprises, Inc., et al., &lt;/i&gt;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). &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px;"&gt;&lt;font class="_mt" size="1"&gt; &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px;" align="center"&gt;&amp;nbsp;&lt;/p&gt;

&lt;p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;A class was certified in the &lt;i&gt;Lemus &lt;/i&gt;case in December 2010 (consisting of tax professionals who worked in company-owned offices in California from 2007 to 2010); in the &lt;i&gt;Williams &lt;/i&gt;case in March 2011 (consisting of office managers who worked in company-owned offices in California from 2004 to 2011); and in the &lt;i&gt;Ugas &lt;/i&gt;case in August 2011 (consisting of tax professionals who worked in company-owned offices in California from 2006 to 2011). In &lt;i&gt;Petroski, &lt;/i&gt;a conditional class was certified under the Fair Labor Standards Act in March 2011 (consisting of tax professionals nationwide who worked in company-owned offices and who were not compensated for certain training courses occurring on or after April 15, 2007). Two classes were also certified under state laws in California and New York (consisting of tax professionals who worked in company-owned offices in those states). A trial date has been set in the &lt;i&gt;Williams &lt;/i&gt;case for April 30, 2012. &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;The plaintiffs in the wage and hour class action lawsuits seek actual damages, pre-judgment interest and attorneys' fees, in addition to statutory penalties under state and federal law, which could equal up to 30 days of wages per tax season for class members who worked in California. A portion of our loss contingency accrual is related to these lawsuits for the amount of loss that we consider probable and estimable. The amounts claimed in these matters are substantial in some instances and the ultimate liability with respect to these matters is difficult to predict. We believe we have meritorious defenses to the claims in these cases and intend to defend the cases vigorously, but there can be no assurances as to the outcome of these cases or their impact on our consolidated financial position, results of operations and cash flows, individually or in the aggregate. &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;To avoid the cost and inherent risk associated with litigation, we reached an agreement to settle the &lt;i&gt;Lemus &lt;/i&gt;case in January 2012, subject to approval by the federal court in California in which the case is pending. This settlement would require a maximum payment of $&lt;font class="_mt"&gt;35&lt;/font&gt; million, although the actual cost of the settlement would depend on the number of valid claims submitted by class members. The federal court granted preliminary approval of the settlement on February 10, 2012. A final approval hearing is scheduled to occur on May 10, 2012. We have recorded a liability for our estimate of the expected loss. If for any reason the settlement is not approved, we will continue to defend the case vigorously, but there can be no assurances as to its outcome or its impact on our consolidated financial position, results of operations and cash flows. &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 18px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;RAL and &lt;font style="text-transform: uppercase;" class="_mt"&gt;RAC &lt;/font&gt;Litigation &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 6px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;We have been named in a putative class action styled &lt;i&gt;Sandra J. Basile, et al. v. H&amp;amp;R Block, Inc., et al.&lt;/i&gt;, April Term 1992 Civil Action No. 3246 in the Court of Common Pleas, First Judicial District Court of Pennsylvania, Philadelphia County, instituted on April 23, 1993. The plaintiffs allege inadequate disclosures with respect to the RAL product and assert claims for violation of consumer protection statutes, negligent misrepresentation, breach of fiduciary duty, common law fraud, usury, and violation of the TILA. Plaintiffs seek unspecified actual and punitive damages, injunctive relief, attorneys' fees and costs. A Pennsylvania class was certified, but later decertified by the trial court in December 2003. An appellate court subsequently reversed the decertification decision. We are appealing the reversal. We have not concluded that a loss related to this matter is probable nor have we accrued a loss contingency related to this matter. We believe we have meritorious defenses to this case and intend to defend the case vigorously, but there can be no assurances as to the outcome of this case or its impact on our consolidated financial position, results of operations and cash flows. &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;A series of class action lawsuits were filed against us in various federal courts beginning on November 17, 2011 concerning the RAL and RAC products, styled &lt;i&gt;Anthony Johnson v. H&amp;amp;R Block, Inc., et. al. &lt;/i&gt;(Case No. 2:11-cv-09577) (C.D. Cal.); &lt;i&gt;Norma Molina-Servin v. H&amp;amp;R Block, Inc., et. al. &lt;/i&gt;(Case No. 1:11-cv-08244) (N.D. Ill.); &lt;i&gt;William Wimbley v. H&amp;amp;R Block, Inc., et. al.&lt;/i&gt; (Case No. 1:11-cv-24159) (S.D. Fla.); &lt;i&gt;Sandy Morton v. H&amp;amp;R Block, Inc., et. al.&lt;/i&gt; (Case No. 4:11-cv-00859) (E.D. Ark.); &lt;i&gt;Iris Orta v. H&amp;amp;R Block, Inc., et. al. &lt;/i&gt;(Case No. 2:11-cv-01149) (E.D. Wis.); &lt;i&gt;Maggie Murchio v. H&amp;amp;R Block, Inc., et. al.&lt;/i&gt; (Case No.1:12-cv-00063) (W.D. Md.); and &lt;i&gt;Catherine Gaddy v. H&amp;amp;R Block, Inc., et. al. &lt;/i&gt;(Case No. 1:12-cv-00052) (M.D. N.C). The plaintiffs generally allege we engaged in unfair, deceptive and/or fraudulent acts in violation of various state consumer protection laws by facilitating RALs that were accompanied by allegedly inaccurate TILA disclosures, and by offering RACs without any &lt;/font&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;TILA disclosures. Certain plaintiffs also allege violation of disclosure requirements of various state statutes expressly governing RALs and provisions of those statutes prohibiting tax preparers from charging or retaining certain fees. Collectively, the plaintiffs seek to represent clients who purchased RAL or RAC products in up to forty-two states and the District of Columbia during timeframes ranging from 2007 to the present. The plaintiffs seek equitable relief, disgorgement of profits, compensatory and statutory damages, restitution, civil penalties, attorneys' fees and costs. The plaintiffs filed a motion with the Judicial Panel on Multidistrict Litigation on December 9, 2011 to consolidate the cases before a single court for pretrial proceedings (&lt;i&gt;In Re Refund Anticipation Loan Litigation&lt;/i&gt;, MDL No. 2334). This motion remains pending. We have not concluded that a loss related to this matter is probable nor have we accrued a loss contingency related to this matter. We believe we have meritorious defenses to the claims in these cases, and we intend to defend the cases vigorously, but there can be no assurances as to the outcome or the impact on our consolidated financial position, results of operations and cash flows. &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 18px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Express IRA Litigation &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 6px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;We have one remaining lawsuit regarding our former Express IRA product. That case was filed on January 2, 2008 by the Mississippi Attorney General in the Chancery Court of Hinds County, Mississippi First Judicial District (Case No. G 2008 6 S 2) and is styled &lt;i&gt;Jim Hood, Attorney for the State of Mississippi v. H&amp;amp;R Block, Inc., H&amp;amp;R Block Financial Advisors, Inc&lt;/i&gt;., &lt;i&gt;et al. &lt;/i&gt;The complaint alleges fraudulent business practices, deceptive acts and practices, common law fraud and breach of fiduciary duty with respect to the sale of the product in Mississippi and seeks equitable relief, disgorgement of profits, damages and restitution, civil penalties and punitive damages. We believe we have meritorious defenses to the claims in this case and intend to defend the case vigorously, but there can be no assurances as to its outcome or its impact on our consolidated financial position, results of operations and cash flows. &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Although we sold H&amp;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. &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 18px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Litigation and Claims Pertaining to the Discontinued Operations of RSM McGladrey &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 6px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;On April 17, 2009, a shareholder derivative complaint was filed by Brian Menezes, derivatively and on behalf of nominal defendant International Textile Group, Inc. against McGladrey Capital Markets, LLC (MCM) in the Court of Common Pleas, Greenville County, South Carolina (C.A. No. 2009-CP-23-3346) styled &lt;i&gt;Brian P. Menezes, Derivatively on Behalf of Nominal Defendant, International Textile Group, Inc. (f/k/a Safety Components International, Inc.) v. McGladrey Capital Markets, LLC (f/k/a RSM EquiCo Capital Markets, LLC), et al.&lt;/i&gt; Plaintiffs filed an amended complaint in October 2011 styled &lt;i&gt;In re International Textile Group Merger Litigation&lt;/i&gt;, adding a putative class action claim against MCM. Plaintiffs allege claims of aiding and abetting, civil conspiracy, gross negligence and breach of fiduciary duty against MCM in connection with a fairness opinion MCM provided to the Special Committee of Safety Components International, Inc. (SCI) in 2006 regarding the merger between International Textile Group, Inc. and SCI. Plaintiffs seek actual and punitive damages, pre-judgment interest, attorneys' fees and costs. On February 8, 2012, the court dismissed plaintiffs' civil conspiracy claim against all defendants. Plaintiffs' other claims remain pending. We have not concluded that a loss related to this matter is probable nor have we established a loss contingency related to this matter. We believe we have meritorious defenses to the claims in this case and intend to defend the case vigorously, but there can be no assurances as to its outcome or its impact on our consolidated financial position, results of operations and cash flows. &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;EquiCo, its parent and certain of its subsidiaries and affiliates, are parties to a class action filed on July 11, 2006 and styled &lt;i&gt;Do Right's Plant Growers, et al. v. RSM EquiCo, Inc., et al. (the "RSM Parties"), &lt;/i&gt;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 &lt;/font&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;court granted plaintiffs' motion for class certification on all claims. To avoid the cost and inherent risk associated with litigation, the parties reached an agreement to settle the case for a maximum payment of $&lt;font class="_mt"&gt;41.5&lt;/font&gt; million, although the actual cost of the settlement will depend on the number of valid claims submitted by class members. The California Superior Court granted final approval of the settlement on October 20, 2011. We previously recorded a liability for our best estimate of the expected loss. The amount we paid during our third quarter did not exceed the amount we had previously accrued. &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 18px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Other &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 6px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;We are from time to time party to investigations, claims and lawsuits not discussed herein arising out of our business operations. These investigations, claims and lawsuits may include actions by state attorneys general, other state regulators, federal regulators, individual plaintiffs, and cases in which plaintiffs seek to represent a class of others similarly situated. We believe we have meritorious defenses to each of these investigations, claims and lawsuits, and we are defending or intend to defend them vigorously. The amounts claimed in these matters are substantial in some instances; however, the ultimate liability with respect to such matters is difficult to predict. In the event of an unfavorable outcome, the amounts we may be required to pay in the discharge of liabilities or settlements could have a material impact on our consolidated financial position, results of operations and cash flows. &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 12px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;We are also party to claims and lawsuits that we consider to be ordinary, routine litigation incidental to our business, including claims and lawsuits (collectively, "Other Claims") concerning the preparation of customers' income tax returns, the fees charged customers for various products and services, relationships with franchisees, intellectual property disputes, employment matters and contract disputes. While we cannot provide assurance that we will ultimately prevail in each instance, we believe the amount, if any, we are required to pay in the discharge of liabilities or settlements in these Other Claims will not have a material impact on our consolidated financial position, results of operations and cash flows. &lt;/font&gt;&lt;/p&gt; &lt;/div&gt;</us-gaap:ScheduleOfLossContingenciesByContingencyTextBlock>
  <us-gaap:ScheduleOfNewAccountingPronouncementsAndChangesInAccountingPrinciplesTextBlock contextRef="Duration_5_1_2011_To_1_31_2012">&lt;div&gt; &lt;p style="margin-top: 18px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&lt;b&gt;16. Accounting Pronouncements&lt;/b&gt; &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 6px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;In September 2011, the Financial Accounting Standards Board (FASB) issued Accounting Standards Update 2011-08, "Intangibles &amp;#8211; Goodwill and Other (Topic 350): Testing Goodwill for Impairment." Under the amendments in this guidance, an entity may consider qualitative factors before applying Step 1 of the goodwill impairment assessment, but may no longer be permitted to carry forward estimates of a reporting unit's fair value from a prior year when specific criteria are met. These amendments are effective for goodwill impairment tests performed in fiscal years beginning after December 15, 2011. Early adoption is permitted. We are currently evaluating the effect of this guidance on our condensed consolidated financial statements.&lt;/font&gt;&lt;/p&gt;

&lt;div&gt;

&lt;p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;In June 2011, the FASB issued Accounting Standards Update 2011-05, "Comprehensive Income (Topic 220): Statement of Comprehensive Income." Under the amendments in this guidance, an entity has the option to present the total of comprehensive income, the components of net income, and the components of other comprehensive income either in a single continuous statement of comprehensive income or in two separate but consecutive statements. This guidance eliminates the option to present the components of other comprehensive income as part of the statement of changes in stockholders' equity. The amendments in this guidance do not change the items that must be reported in other comprehensive income or when an item of other comprehensive income must be reclassified to net income. These amendments are effective for fiscal years beginning after December 15, 2011. Early adoption is permitted. We elected to adopt this guidance as of May 1, 2011, and it did not have an effect on our presentation of comprehensive income in our condensed consolidated financial statements. &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;In May 2011, the FASB issued Accounting Standards Update 2011-04, "Fair Value Measurement (Topic 820): Amendments to Achieve Common Fair Value Measurement and Disclosure Requirements in U.S. GAAP and IFRSs." Under the amendments in this guidance, an entity will be required to provide additional disclosures about the valuation processes and sensitivities of Level 3 assets and the categorization by level of the fair value hierarchy for items that are not measured at fair value in the statement of financial position, but for which the fair value is required to be disclosed These amendments are effective for interim and annual periods beginning after December 15, 2011. Early adoption is not permitted. We do not expect this guidance to have a material effect on our condensed consolidated financial statements. &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;In April 2011, the FASB issued Accounting Standards Update 2011-02, "Receivables (Topic 310) &amp;#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. &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;In October 2009, the FASB issued Accounting Standards Update 2009-13, "Revenue Recognition (Topic 605) &amp;#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. &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;In December 2010, the FASB issued Accounting Standards Update 2010-28, "Intangibles &amp;#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. &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;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.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:ScheduleOfNewAccountingPronouncementsAndChangesInAccountingPrinciplesTextBlock>
  <us-gaap:ScheduleOfRealEstatePropertiesTableTextBlock contextRef="Duration_5_1_2011_To_1_31_2012">&lt;div&gt; &lt;table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="76%" align="center"&gt;
&lt;tr&gt;&lt;td style="width: 56%;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 47pt;"&gt;&amp;nbsp;&lt;/td&gt;
&lt;td style="width: 50pt;"&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;(in 000s)&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="bottom" width="78%" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Nine months ended January&amp;nbsp;31,&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;2012&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;2011&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Balance, beginning of the period &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 19,532 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 29,252 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Additions &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;6,521 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;12,931 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Sales &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(7,933 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(16,900 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Writedowns &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(2,193 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(3,442 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Balance, end of the period &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 15,927 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 21,841 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt; &lt;/div&gt;</us-gaap:ScheduleOfRealEstatePropertiesTableTextBlock>
  <us-gaap:SegmentReportingDisclosureTextBlock contextRef="Duration_5_1_2011_To_1_31_2012">&lt;div&gt; &lt;p style="margin-top: 18px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&lt;b&gt;15. Segment Information &lt;/b&gt;&lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 6px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Results of our continuing operations by reportable operating segment are as follows: &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 0px; margin-bottom: 0px; font-size: 12px;"&gt;&amp;nbsp;&lt;/p&gt;

&lt;table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="92%" align="center"&gt;
&lt;tr&gt;&lt;td&gt;&amp;nbsp;&lt;/td&gt;
&lt;td&gt;&amp;nbsp;&lt;/td&gt;
&lt;td&gt;&amp;nbsp;&lt;/td&gt;
&lt;td&gt;&amp;nbsp;&lt;/td&gt;
&lt;td&gt;&amp;nbsp;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;(in 000s)&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Three&amp;nbsp;months&amp;nbsp;ended&amp;nbsp;January&amp;nbsp;31,&lt;/font&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;Nine&amp;nbsp;months&amp;nbsp;ended&amp;nbsp;January&amp;nbsp;31,&lt;/font&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;2012&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;2011&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;2012&lt;/font&gt; &lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="1"&gt;2011&lt;/font&gt; &lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Revenues:&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Tax Services &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 655,701 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 672,810 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 868,144 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 875,376 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Corporate &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;7,579 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;7,486 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;24,953 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;24,345 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 663,280 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 680,296 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 893,097 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 899,721 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 1em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Pretax income (loss):&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Tax Services &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 31,716 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ 4,114 &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (311,733 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (324,865 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Corporate &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(32,742 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(30,082 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(93,823 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;(91,770 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrdsinglerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr&gt;&lt;td valign="top"&gt;

&lt;p style="text-indent: -1em; margin-left: 3em;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Loss from continuing operations before income tax (benefit) &lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (1,026 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (25,968 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (405,556 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap"&gt;

&lt;p style="margin-top: 0px; margin-bottom: 1px;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;$ (416,635 )&lt;/font&gt;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;
&lt;tr style="font-size: 1px;"&gt;&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="la2"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;
&lt;td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"&gt;

&lt;p class="rrddoublerule"&gt;&amp;nbsp;&lt;/p&gt;&lt;/td&gt;&lt;/tr&gt;&lt;/table&gt;

&lt;p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;As of January 31, 2012, the results of operations of our previously reported Business Services segment are presented as discontinued operations in the condensed consolidated statements of operations. All periods presented have been reclassified to reflect our discontinued operations. See notes 1 and 13 for additional information. &lt;/font&gt;&lt;/p&gt; &lt;/div&gt;</us-gaap:SegmentReportingDisclosureTextBlock>
  <us-gaap:SegmentReportingInformationRevenue contextRef="Duration_5_1_2010_To_1_31_2011" unitRef="Unit13" decimals="-3">899721000</us-gaap:SegmentReportingInformationRevenue>
  <us-gaap:SegmentReportingInformationRevenue contextRef="Duration_5_1_2010_To_1_31_2011_us-gaap_ProductOrServiceAxis_hrb_CorporateMember" unitRef="Unit13" decimals="-3">24345000</us-gaap:SegmentReportingInformationRevenue>
  <us-gaap:SegmentReportingInformationRevenue contextRef="Duration_5_1_2010_To_1_31_2011_us-gaap_ProductOrServiceAxis_hrb_TaxServicesMember" unitRef="Unit13" decimals="-3">875376000</us-gaap:SegmentReportingInformationRevenue>
  <us-gaap:SegmentReportingInformationRevenue contextRef="Duration_11_1_2010_To_1_31_2011" unitRef="Unit13" decimals="-3">680296000</us-gaap:SegmentReportingInformationRevenue>
  <us-gaap:SegmentReportingInformationRevenue contextRef="Duration_11_1_2010_To_1_31_2011_us-gaap_ProductOrServiceAxis_hrb_CorporateMember" unitRef="Unit13" decimals="-3">7486000</us-gaap:SegmentReportingInformationRevenue>
  <us-gaap:SegmentReportingInformationRevenue contextRef="Duration_11_1_2010_To_1_31_2011_us-gaap_ProductOrServiceAxis_hrb_TaxServicesMember" unitRef="Unit13" decimals="-3">672810000</us-gaap:SegmentReportingInformationRevenue>
  <us-gaap:SegmentReportingInformationRevenue contextRef="Duration_5_1_2011_To_1_31_2012" unitRef="Unit13" decimals="-3">893097000</us-gaap:SegmentReportingInformationRevenue>
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  <us-gaap:SegmentReportingInformationRevenue contextRef="Duration_5_1_2011_To_1_31_2012_us-gaap_ProductOrServiceAxis_hrb_TaxServicesMember" unitRef="Unit13" decimals="-3">868144000</us-gaap:SegmentReportingInformationRevenue>
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&lt;p style="margin-top: 12px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;&lt;b&gt;1. Summary of Significant Accounting Policies&lt;/b&gt; &lt;/font&gt;&lt;/p&gt;

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&lt;p style="margin-top: 6px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Basis of Presentation &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 6px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;The condensed consolidated balance sheet as of January 31, 2012, the condensed consolidated statements of operations and comprehensive income (loss) for the three and nine months ended January 31, 2012 and 2011, and the condensed consolidated statements of cash flows for the nine months ended January 31, 2012 and 2011 have been prepared by the Company, without audit. In the opinion of management, all adjustments, which include only normal recurring adjustments, necessary to present fairly the financial position, results of operations and cash flows at January 31, 2012 and for all periods presented have been made. See below for discussion of our presentation of discontinued operations. &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;"H&amp;amp;R Block," "the Company," "we," "our" and "us" are used interchangeably to refer to H&amp;amp;R Block, Inc. or to H&amp;amp;R Block, Inc. and its subsidiaries, as appropriate to the context. &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;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.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;/div&gt;

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&lt;p style="margin-top: 18px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Management &lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Estimates &lt;/font&gt;&lt;/font&gt;&lt;/p&gt;

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&lt;p style="margin-top: 6px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;The preparation of financial statements in conformity with generally accepted accounting principles requires management to make estimates and assumptions that affect the reported amounts of assets and liabilities and disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts of revenues and expenses during the reporting periods. Significant estimates, assumptions and judgments are applied in the determination of our allowance for loan losses, potential losses from loan repurchase and indemnity obligations associated with our discontinued mortgage business, contingent losses associated with pending claims and litigation, fair value of reporting units, valuation allowances based on future taxable income, reserves for uncertain tax positions, credit losses on receivable balances and related matters. Estimates have been prepared on the basis of the most current and best information available as of each balance sheet date. As such, actual results could differ materially from those estimates.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;/div&gt;

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&lt;p style="margin-top: 18px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Seasonality of Business &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 6px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;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.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;

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&lt;p style="margin-top: 18px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Discontinued &lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;Operations &amp;#8211; Recent Events &lt;/font&gt;&lt;/font&gt;&lt;/p&gt;

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&lt;p style="margin-top: 6px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;In November 2011, we sold substantially all assets of RSM McGladrey, Inc. (RSM) to McGladrey &amp;amp; Pullen LLP (M&amp;amp;P) for net cash proceeds of $&lt;font class="_mt"&gt;495.6&lt;/font&gt; million. We also received a short-term note in the amount of $&lt;font class="_mt"&gt;32.3&lt;/font&gt; million and a long-term note in the amount of $&lt;font class="_mt"&gt;54.0&lt;/font&gt; million. M&amp;amp;P assumed substantially all liabilities of RSM, including contingent payments and lease obligations. We have indemnified M&amp;amp;P for certain litigation matters as discussed in note 13. The net after tax loss on the sale of RSM totaled $&lt;font class="_mt"&gt;37.1&lt;/font&gt; million, which includes an $&lt;font class="_mt"&gt;85.4&lt;/font&gt; million impairment of goodwill recorded in our first quarter and tax benefits of $&lt;font class="_mt"&gt;20.5&lt;/font&gt; million recorded in the third quarter associated with capital loss carry-forwards utilized. &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;In the first quarter, we also announced we were evaluating strategic alternatives for RSM EquiCo, Inc. (EquiCo), and effective January 31, 2012, we sold the assets of EquiCo's subsidiary, McGladrey Capital Markets LLC (MCM), for cash proceeds of $&lt;font class="_mt"&gt;1.0&lt;/font&gt; million. We have indemnified the buyer for certain litigation matters related to this business. The net after tax loss on the sale of MCM totaled $&lt;font class="_mt"&gt;12.4&lt;/font&gt; million and included a $&lt;font class="_mt"&gt;14.3&lt;/font&gt; million impairment of goodwill recorded in our first quarter. The remaining EquiCo businesses will be wound down. &lt;/font&gt;&lt;/p&gt;

&lt;p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"&gt;&lt;font style="font-family: Times New Roman;" class="_mt" size="2"&gt;As of January 31, 2012, the results of operations of these businesses are presented as discontinued operations in the condensed consolidated financial statements. All periods presented in our condensed consolidated balance sheets and statements of operations have been reclassified to reflect our discontinued operations. See additional information in note 13.&lt;/font&gt;&lt;/p&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt;&lt;/div&gt; &lt;/div&gt;</us-gaap:SignificantAccountingPoliciesTextBlock>
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  <element id="hrb_SeveranceBenefitsClaim" name="SeveranceBenefitsClaim" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="credit" />
  <element id="hrb_ScheduleOfComponentsOfStockholdersEquityTableTextBlock" name="ScheduleOfComponentsOfStockholdersEquityTableTextBlock" nillable="true" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="hrb_AllocatedShareholdersEquityTotal" name="AllocatedShareholdersEquityTotal" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="credit" />
  <element id="hrb_LossPerShareAndStockholdersEquityAbstract" name="LossPerShareAndStockholdersEquityAbstract" nillable="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
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  <element id="hrb_AgreementToSellAssetsOfDiscontinuedOperation" name="AgreementToSellAssetsOfDiscontinuedOperation" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <element id="hrb_PercentageOfDeniedLoanRepurchaseClaimsReceived" name="PercentageOfDeniedLoanRepurchaseClaimsReceived" nillable="true" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="hrb_AmountOfClaimsUnderReviewRepresentingRequestsForAdditionalInformationRelatedToDeniedClaims" name="AmountOfClaimsUnderReviewRepresentingRequestsForAdditionalInformationRelatedToDeniedClaims" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <element id="hrb_LossSeverityRatesOnRepurchaseAndIndemnification" name="LossSeverityRatesOnRepurchaseAndIndemnification" nillable="true" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="hrb_DisposalGroupIncludingDiscontinuedOperationShortTermReceivable" name="DisposalGroupIncludingDiscontinuedOperationShortTermReceivable" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="hrb_DisposalGroupIncludingDiscontinuedOperationNoteReceivable" name="DisposalGroupIncludingDiscontinuedOperationNoteReceivable" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="hrb_RsmMcgladreyIncMember" name="RsmMcgladreyIncMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="hrb_RsmEquicoIncMember" name="RsmEquicoIncMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="hrb_ScheduleOfAmortizedCostAndFairValueOfSecuritiesAvailableForSaleTableTextBlock" name="ScheduleOfAmortizedCostAndFairValueOfSecuritiesAvailableForSaleTableTextBlock" nillable="true" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="hrb_UnrecognizedTaxBenefitsIncreaseResultingDueToAccrualsOfTaxPositions" name="UnrecognizedTaxBenefitsIncreaseResultingDueToAccrualsOfTaxPositions" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <element id="hrb_GoodwillAndIntangibleAssetsLineItems" name="GoodwillAndIntangibleAssetsLineItems" nillable="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <element id="hrb_ExpresstaxBrandMember" name="ExpresstaxBrandMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems" name="MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems" nillable="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <element id="hrb_HrbBankSRegulatoryCapitalRequirementsTextBlock" name="HrbBankSRegulatoryCapitalRequirementsTextBlock" nillable="true" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
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  <element id="hrb_YearOfOrigination2012Member" name="YearOfOrigination2012Member" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
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  <element id="hrb_SeniorNotesDueOnOctoberTwoZeroOneFourMember" name="SeniorNotesDueOnOctoberTwoZeroOneFourMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
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  <element id="hrb_LiborMember" name="LiborMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="hrb_PrimeMember" name="PrimeMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="hrb_AmountOfAdvancedCapacity" name="AmountOfAdvancedCapacity" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="hrb_MortgageLoansHeldForInvestmentAsCollateral" name="MortgageLoansHeldForInvestmentAsCollateral" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" xbrli:balance="debit" />
  <element id="hrb_ScheduleOfInterestIncomeAndExpenseLineItems" name="ScheduleOfInterestIncomeAndExpenseLineItems" nillable="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <element id="hrb_DisposalGroupIncludingDiscontinuedOperationEstimatedAggregateFairValue" name="DisposalGroupIncludingDiscontinuedOperationEstimatedAggregateFairValue" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <element id="hrb_SummaryOfSignificantAccountingPoliciesTable" name="SummaryOfSignificantAccountingPoliciesTable" nillable="true" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" abstract="true" xbrli:periodType="duration" />
  <element id="hrb_SummaryOfSignificantAccountingPoliciesLineItems" name="SummaryOfSignificantAccountingPoliciesLineItems" nillable="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <element id="hrb_PercentageOfAnnualFacilityFee" name="PercentageOfAnnualFacilityFee" nillable="true" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="hrb_ScheduleOfInterestIncomeExpenseByTypeTableTextBlock" name="ScheduleOfInterestIncomeExpenseByTypeTableTextBlock" nillable="true" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="hrb_CapitalContributionForCapitalAdequacy" name="CapitalContributionForCapitalAdequacy" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <element id="hrb_CommitmentsAndContingenciesLineItems" name="CommitmentsAndContingenciesLineItems" nillable="true" type="xbrli:stringItemType" substitutionGroup="xbrli:item" abstract="true" xbrli:periodType="duration" />
  <element id="hrb_LessThanSixtyDaysPastDueMember" name="LessThanSixtyDaysPastDueMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="hrb_SixtyToEightyNineDaysPastDueMember" name="SixtyToEightyNineDaysPastDueMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="hrb_ScheduleOfCondensedConsolidatingStatementOfOperationsTableTextBlock" name="ScheduleOfCondensedConsolidatingStatementOfOperationsTableTextBlock" nillable="true" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="hrb_ScheduleOfCondensedConsolidatingBalanceSheetTableTextBlock" name="ScheduleOfCondensedConsolidatingBalanceSheetTableTextBlock" nillable="true" type="nonnum:textBlockItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="hrb_SellingGeneralAdministrativeAndGoodwillImpairmentExpense" name="SellingGeneralAdministrativeAndGoodwillImpairmentExpense" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="debit" />
  <element id="hrb_AverageNumberOfOutstandingSharesBasicAndDiluted" name="AverageNumberOfOutstandingSharesBasicAndDiluted" nillable="true" type="xbrli:sharesItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="hrb_ReductionOfAggregateOutstandingPrincipalPeriod" name="ReductionOfAggregateOutstandingPrincipalPeriod" nillable="true" type="xbrli:positiveIntegerItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="hrb_ReceivableFromMcgladreyAndPullenLlpMember" name="ReceivableFromMcgladreyAndPullenLlpMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
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  <element id="hrb_RsmAndRelatedBusinessMember" name="RsmAndRelatedBusinessMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="hrb_MortgageMember" name="MortgageMember" nillable="true" type="nonnum:domainItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
  <element id="hrb_PercentageOfFraudOnOriginatedLoans" name="PercentageOfFraudOnOriginatedLoans" nillable="true" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" />
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  <element id="hrb_RatioOfIndebtednessToNetCapital1" name="RatioOfIndebtednessToNetCapital1" nillable="true" type="num:percentItemType" substitutionGroup="xbrli:item" xbrli:periodType="instant" />
  <element id="hrb_PrincipalBalanceOfPriorPeriodWarrantyClaimsReviewedDuringPeriod" name="PrincipalBalanceOfPriorPeriodWarrantyClaimsReviewedDuringPeriod" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="credit" />
  <element id="hrb_EstimatedLossOnValidWarrantyClaimsReviewedDuringPeriod" name="EstimatedLossOnValidWarrantyClaimsReviewedDuringPeriod" nillable="true" type="xbrli:monetaryItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" xbrli:balance="credit" />
</schema>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.CAL
<SEQUENCE>11
<FILENAME>hrb-20120131_cal.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION CALCULATION LINKBASE
<TEXT>
<XBRL>
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<!--Based on XBRL 2.1-->
<!--Created on: 3/7/2012 1:00:46 PM-->
<!--Modified on: 3/7/2012 1:00:47 PM-->
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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.LAB
<SEQUENCE>13
<FILENAME>hrb-20120131_lab.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION LABEL LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii"?>
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<!--Created on: 3/7/2012 1:00:46 PM-->
<!--Modified on: 3/7/2012 1:00:47 PM-->
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_CashAndCashEquivalentsAtCarryingValue_lbl" xml:lang="en-US">Cash and Cash Equivalents, at Carrying Value, Total</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_CashAndCashEquivalentsAtCarryingValue_lbl" xml:lang="en-US">Cash &amp; cash equivalents</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_RestrictedCashAndInvestmentsCurrent" xlink:label="us-gaap_RestrictedCashAndInvestmentsCurrent" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RestrictedCashAndInvestmentsCurrent" xlink:to="us-gaap_RestrictedCashAndInvestmentsCurrent_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_RestrictedCashAndInvestmentsCurrent_lbl" xml:lang="en-US">Cash and cash equivalents - restricted</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_RestrictedCashAndInvestmentsCurrent_lbl" xml:lang="en-US">Cash and cash equivalents - restricted</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_RestrictedCashAndInvestmentsCurrent_lbl" xml:lang="en-US">Restricted Cash and Investments, Current, Total</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_RestrictedCashAndInvestmentsCurrent_lbl" xml:lang="en-US">Cash &amp; cash equivalents - restricted</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_AccountsReceivableNetCurrent" xlink:label="us-gaap_AccountsReceivableNetCurrent" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccountsReceivableNetCurrent" xlink:to="us-gaap_AccountsReceivableNetCurrent_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AccountsReceivableNetCurrent_lbl" xml:lang="en-US">Receivables, less allowance for doubtful accounts of $67,582 and $67,466</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_AccountsReceivableNetCurrent_lbl" xml:lang="en-US">Receivables, less allowance for doubtful accounts of $64,139 and $47,943</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_AccountsReceivableNetCurrent_lbl" xml:lang="en-US">Receivables, net</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_AccountsReceivableNetCurrent_lbl" xml:lang="en-US">Receivables, net</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_PrepaidExpenseAndOtherAssetsCurrent" xlink:label="us-gaap_PrepaidExpenseAndOtherAssetsCurrent" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PrepaidExpenseAndOtherAssetsCurrent" xlink:to="us-gaap_PrepaidExpenseAndOtherAssetsCurrent_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PrepaidExpenseAndOtherAssetsCurrent_lbl" xml:lang="en-US">Prepaid Expense and Other Assets, Current</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_PrepaidExpenseAndOtherAssetsCurrent_lbl" xml:lang="en-US">Prepaid expenses and other current assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_PrepaidExpenseAndOtherAssetsCurrent_lbl" xml:lang="en-US">Prepaid Expense and Other Assets, Current, Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_OtherAssetsHeldForSaleCurrent" xlink:label="us-gaap_OtherAssetsHeldForSaleCurrent" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherAssetsHeldForSaleCurrent" xlink:to="us-gaap_OtherAssetsHeldForSaleCurrent_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OtherAssetsHeldForSaleCurrent_lbl" xml:lang="en-US">Other Assets Held-for-sale, Current</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_OtherAssetsHeldForSaleCurrent_lbl" xml:lang="en-US">Assets of discontinued operations</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_OtherAssetsHeldForSaleCurrent_lbl" xml:lang="en-US">Assets of discontinued operations, held for sale</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_AssetsCurrent" xlink:label="us-gaap_AssetsCurrent" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AssetsCurrent" xlink:to="us-gaap_AssetsCurrent_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AssetsCurrent_lbl" xml:lang="en-US">Total current assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_AssetsCurrent_lbl" xml:lang="en-US">Total current assets</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_LoansAndLeasesReceivableNetReportedAmount" xlink:label="us-gaap_LoansAndLeasesReceivableNetReportedAmount" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LoansAndLeasesReceivableNetReportedAmount" xlink:to="us-gaap_LoansAndLeasesReceivableNetReportedAmount_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LoansAndLeasesReceivableNetReportedAmount_lbl" xml:lang="en-US">Mortgage loans held for investment, Carrying Amount</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_LoansAndLeasesReceivableNetReportedAmount_lbl" xml:lang="en-US">Mortgage loans held for investment, less allowance for loan losses of $89,949 and $92,087</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_LoansAndLeasesReceivableNetReportedAmount_lbl" xml:lang="en-US">Total</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_LoansAndLeasesReceivableNetReportedAmount_lbl" xml:lang="en-US">Mortgage loans held for investment</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_AvailableForSaleSecuritiesNoncurrent" xlink:label="us-gaap_AvailableForSaleSecuritiesNoncurrent" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AvailableForSaleSecuritiesNoncurrent" xlink:to="us-gaap_AvailableForSaleSecuritiesNoncurrent_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AvailableForSaleSecuritiesNoncurrent_lbl" xml:lang="en-US">Available-for-sale Securities, Noncurrent</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_AvailableForSaleSecuritiesNoncurrent_lbl" xml:lang="en-US">Available-for-sale investments in a continuous loss position</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_AvailableForSaleSecuritiesNoncurrent_lbl" xml:lang="en-US">Available-for-sale Securities, Noncurrent, Total</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_AvailableForSaleSecuritiesNoncurrent_lbl" xml:lang="en-US">Investments in available-for-sale securities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_PropertyPlantAndEquipmentNet" xlink:label="us-gaap_PropertyPlantAndEquipmentNet" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PropertyPlantAndEquipmentNet" xlink:to="us-gaap_PropertyPlantAndEquipmentNet_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PropertyPlantAndEquipmentNet_lbl" xml:lang="en-US">Property and equipment, at cost less accumulated depreciation and amortization of $694,321 and $677,220</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="us-gaap_PropertyPlantAndEquipmentNet_lbl" xml:lang="en-US">Property, Plant and Equipment, Net, Ending Balance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="us-gaap_PropertyPlantAndEquipmentNet_lbl" xml:lang="en-US">Property, Plant and Equipment, Net, Beginning Balance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_PropertyPlantAndEquipmentNet_lbl" xml:lang="en-US">Property and equipment, at cost, less accumulated depreciation and amortization of $617,314 and $578,655</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_PropertyPlantAndEquipmentNet_lbl" xml:lang="en-US">Property and equipment net</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_PropertyPlantAndEquipmentNet_lbl" xml:lang="en-US">Property and equipment under capital lease</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_IntangibleAssetsNetExcludingGoodwill" xlink:label="us-gaap_IntangibleAssetsNetExcludingGoodwill" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IntangibleAssetsNetExcludingGoodwill" xlink:to="us-gaap_IntangibleAssetsNetExcludingGoodwill_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_IntangibleAssetsNetExcludingGoodwill_lbl" xml:lang="en-US">Intangible assets, net1</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_IntangibleAssetsNetExcludingGoodwill_lbl" xml:lang="en-US">Intangible assets, net</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_IntangibleAssetsNetExcludingGoodwill_lbl" xml:lang="en-US">Intangible Assets, Net (Excluding Goodwill), Total</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_IntangibleAssetsNetExcludingGoodwill_lbl" xml:lang="en-US">Intangible assets and goodwill, net</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_Goodwill" xlink:label="us-gaap_Goodwill" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_Goodwill" xlink:to="us-gaap_Goodwill_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_Goodwill_lbl" xml:lang="en-US">Goodwill</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="us-gaap_Goodwill_lbl" xml:lang="en-US">Goodwill, ending balance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="us-gaap_Goodwill_lbl" xml:lang="en-US">Goodwill, beginning balance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_Goodwill_lbl" xml:lang="en-US">Goodwill</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_Goodwill_lbl" xml:lang="en-US">Goodwill</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_OtherAssetsNoncurrent" xlink:label="us-gaap_OtherAssetsNoncurrent" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherAssetsNoncurrent" xlink:to="us-gaap_OtherAssetsNoncurrent_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OtherAssetsNoncurrent_lbl" xml:lang="en-US">Other assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_OtherAssetsNoncurrent_lbl" xml:lang="en-US">Other assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_OtherAssetsNoncurrent_lbl" xml:lang="en-US">Other assets</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_Assets" xlink:label="us-gaap_Assets" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_Assets" xlink:to="us-gaap_Assets_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_Assets_lbl" xml:lang="en-US">Assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_Assets_lbl" xml:lang="en-US">Identifiable assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_Assets_lbl" xml:lang="en-US">Total assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_Assets_lbl" xml:lang="en-US">Total assets</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_LiabilitiesAndStockholdersEquityAbstract" xlink:label="us-gaap_LiabilitiesAndStockholdersEquityAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LiabilitiesAndStockholdersEquityAbstract" xlink:to="us-gaap_LiabilitiesAndStockholdersEquityAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LiabilitiesAndStockholdersEquityAbstract_lbl" xml:lang="en-US">LIABILITIES AND STOCKHOLDERS' EQUITY</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_LiabilitiesAndStockholdersEquityAbstract_lbl" xml:lang="en-US">LIABILITIES AND STOCKHOLDERS' EQUITY</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_LiabilitiesAbstract" xlink:label="us-gaap_LiabilitiesAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LiabilitiesAbstract" xlink:to="us-gaap_LiabilitiesAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LiabilitiesAbstract_lbl" xml:lang="en-US">Liabilities:</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_CustomerDepositsCurrent" xlink:label="us-gaap_CustomerDepositsCurrent" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CustomerDepositsCurrent" xlink:to="us-gaap_CustomerDepositsCurrent_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CustomerDepositsCurrent_lbl" xml:lang="en-US">Deposits</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_CustomerDepositsCurrent_lbl" xml:lang="en-US">Customer banking deposits</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_CustomerDepositsCurrent_lbl" xml:lang="en-US">Deposits, Total</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_CustomerDepositsCurrent_lbl" xml:lang="en-US">Customer deposits</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_AccruedLiabilitiesCurrent" xlink:label="us-gaap_AccruedLiabilitiesCurrent" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccruedLiabilitiesCurrent" xlink:to="us-gaap_AccruedLiabilitiesCurrent_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AccruedLiabilitiesCurrent_lbl" xml:lang="en-US">Accounts payable, accrued expenses and other current liabilities BS</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_AccruedLiabilitiesCurrent_lbl" xml:lang="en-US">Accounts payable, accrued expenses and other current liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_AccruedLiabilitiesCurrent_lbl" xml:lang="en-US">Accrued Liabilities, Current, Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_EmployeeRelatedLiabilitiesCurrent" xlink:label="us-gaap_EmployeeRelatedLiabilitiesCurrent" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_EmployeeRelatedLiabilitiesCurrent" xlink:to="us-gaap_EmployeeRelatedLiabilitiesCurrent_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_EmployeeRelatedLiabilitiesCurrent_lbl" xml:lang="en-US">Accrued salaries, wages and payroll taxes BS</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_EmployeeRelatedLiabilitiesCurrent_lbl" xml:lang="en-US">Accrued salaries, wages and payroll taxes</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_EmployeeRelatedLiabilitiesCurrent_lbl" xml:lang="en-US">Employee-related Liabilities, Current, Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_AccruedIncomeTaxesCurrent" xlink:label="us-gaap_AccruedIncomeTaxesCurrent" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccruedIncomeTaxesCurrent" xlink:to="us-gaap_AccruedIncomeTaxesCurrent_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AccruedIncomeTaxesCurrent_lbl" xml:lang="en-US">Accrued income taxes BS</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_AccruedIncomeTaxesCurrent_lbl" xml:lang="en-US">Accrued income taxes</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_CommercialPaper" xlink:label="us-gaap_CommercialPaper" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommercialPaper" xlink:to="us-gaap_CommercialPaper_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CommercialPaper_lbl" xml:lang="en-US">Commercial Paper</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_CommercialPaper_lbl" xml:lang="en-US">Commercial paper borrowings</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_CommercialPaper_lbl" xml:lang="en-US">Short-term borrowings</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_DebtCurrent" xlink:label="us-gaap_DebtCurrent" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DebtCurrent" xlink:to="us-gaap_DebtCurrent_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DebtCurrent_lbl" xml:lang="en-US">Current portion of long-term debt</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_DebtCurrent_lbl" xml:lang="en-US">Current portion of long-term debt</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_DebtCurrent_lbl" xml:lang="en-US">Current portion of long-term debt</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_DebtCurrent_lbl" xml:lang="en-US">Current portion of long-term debt</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesShortTerm" xlink:label="us-gaap_FederalHomeLoanBankAdvancesShortTerm" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FederalHomeLoanBankAdvancesShortTerm" xlink:to="us-gaap_FederalHomeLoanBankAdvancesShortTerm_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FederalHomeLoanBankAdvancesShortTerm_lbl" xml:lang="en-US">Current Federal Home Loan Bank borrowings</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FederalHomeLoanBankAdvancesShortTerm_lbl" xml:lang="en-US">Federal Home Loan Bank borrowings</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_FederalHomeLoanBankAdvancesShortTerm_lbl" xml:lang="en-US">Federal Home Loan Bank borrowings</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_LiabilitiesOfAssetsHeldForSale" xlink:label="us-gaap_LiabilitiesOfAssetsHeldForSale" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LiabilitiesOfAssetsHeldForSale" xlink:to="us-gaap_LiabilitiesOfAssetsHeldForSale_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LiabilitiesOfAssetsHeldForSale_lbl" xml:lang="en-US">Liabilities of Assets Held-for-sale</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_LiabilitiesOfAssetsHeldForSale_lbl" xml:lang="en-US">Liabilities held for sale</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_LiabilitiesOfAssetsHeldForSale_lbl" xml:lang="en-US">Liabilities of discontinued operations, held for sale</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_LiabilitiesCurrent" xlink:label="us-gaap_LiabilitiesCurrent" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LiabilitiesCurrent" xlink:to="us-gaap_LiabilitiesCurrent_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LiabilitiesCurrent_lbl" xml:lang="en-US">Total current liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_LiabilitiesCurrent_lbl" xml:lang="en-US">Total current liabilities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_LongTermDebtAndCapitalLeaseObligations" xlink:label="us-gaap_LongTermDebtAndCapitalLeaseObligations" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LongTermDebtAndCapitalLeaseObligations" xlink:to="us-gaap_LongTermDebtAndCapitalLeaseObligations_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LongTermDebtAndCapitalLeaseObligations_lbl" xml:lang="en-US">Long-term debt and capital lease obligations</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_LongTermDebtAndCapitalLeaseObligations_lbl" xml:lang="en-US">Long-term debt</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_LongTermDebtAndCapitalLeaseObligations_lbl" xml:lang="en-US">Long-term debt</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_LongTermDebtAndCapitalLeaseObligations_lbl" xml:lang="en-US">Total long-term borrowings</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_OtherLiabilitiesNoncurrent" xlink:label="us-gaap_OtherLiabilitiesNoncurrent" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherLiabilitiesNoncurrent" xlink:to="us-gaap_OtherLiabilitiesNoncurrent_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OtherLiabilitiesNoncurrent_lbl" xml:lang="en-US">Other noncurrent liabilities BS</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_OtherLiabilitiesNoncurrent_lbl" xml:lang="en-US">Other noncurrent liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_OtherLiabilitiesNoncurrent_lbl" xml:lang="en-US">Other noncurrent liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_OtherLiabilitiesNoncurrent_lbl" xml:lang="en-US">Other liabilities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_Liabilities" xlink:label="us-gaap_Liabilities" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_Liabilities" xlink:to="us-gaap_Liabilities_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_Liabilities_lbl" xml:lang="en-US">Liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_Liabilities_lbl" xml:lang="en-US">Total liabilities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_CommitmentsAndContingencies" xlink:label="us-gaap_CommitmentsAndContingencies" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommitmentsAndContingencies" xlink:to="us-gaap_CommitmentsAndContingencies_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CommitmentsAndContingencies_lbl" xml:lang="en-US">Commitments and contingencies 2009</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_CommitmentsAndContingencies_lbl" xml:lang="en-US">Commitments and contingencies</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_StockholdersEquityAbstract" xlink:label="us-gaap_StockholdersEquityAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StockholdersEquityAbstract" xlink:to="us-gaap_StockholdersEquityAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_StockholdersEquityAbstract_lbl" xml:lang="en-US">Stockholders' equity:</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_CommonStockValue" xlink:label="us-gaap_CommonStockValue" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommonStockValue" xlink:to="us-gaap_CommonStockValue_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CommonStockValue_lbl" xml:lang="en-US">Common stock, no par, stated value $.01 per share, 800,000,000 shares authorized, shares issued of 399,397,099 and 412,440,599</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="us-gaap_CommonStockValue_lbl" xml:lang="en-US">Common Stock, Value, Issued, Ending Balance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="us-gaap_CommonStockValue_lbl" xml:lang="en-US">Common Stock, Value, Issued, Beginning Balance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_CommonStockValue_lbl" xml:lang="en-US">Common stock</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_CommonStockValue_lbl" xml:lang="en-US">Common Stock, Value, Issued, Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_AdditionalPaidInCapitalCommonStock" xlink:label="us-gaap_AdditionalPaidInCapitalCommonStock" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AdditionalPaidInCapitalCommonStock" xlink:to="us-gaap_AdditionalPaidInCapitalCommonStock_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AdditionalPaidInCapitalCommonStock_lbl" xml:lang="en-US">Additional Paid in Capital, Common Stock</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="us-gaap_AdditionalPaidInCapitalCommonStock_lbl" xml:lang="en-US">Additional Paid in Capital, Common Stock, Ending Balance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="us-gaap_AdditionalPaidInCapitalCommonStock_lbl" xml:lang="en-US">Additional Paid in Capital, Common Stock, Beginning Balance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_AdditionalPaidInCapitalCommonStock_lbl" xml:lang="en-US">Additional paid-in capital</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:label="us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax" xlink:to="us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_lbl" xml:lang="en-US">Accumulated Other Comprehensive Income (Loss), Net of Tax</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_lbl" xml:lang="en-US">Accumulated Other Comprehensive Income (Loss), Net of Tax, Ending Balance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_lbl" xml:lang="en-US">Accumulated Other Comprehensive Income (Loss), Net of Tax, Beginning Balance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_lbl" xml:lang="en-US">Accumulated other comprehensive income</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax_lbl" xml:lang="en-US">Accumulated Other Comprehensive Income (Loss), Net of Tax, Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_RetainedEarningsAccumulatedDeficit" xlink:label="us-gaap_RetainedEarningsAccumulatedDeficit" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RetainedEarningsAccumulatedDeficit" xlink:to="us-gaap_RetainedEarningsAccumulatedDeficit_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_RetainedEarningsAccumulatedDeficit_lbl" xml:lang="en-US">Retained Earnings (Accumulated Deficit)</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="us-gaap_RetainedEarningsAccumulatedDeficit_lbl" xml:lang="en-US">Retained Earnings (Accumulated Deficit), Ending Balance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="us-gaap_RetainedEarningsAccumulatedDeficit_lbl" xml:lang="en-US">Retained Earnings (Accumulated Deficit), Beginning Balance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_RetainedEarningsAccumulatedDeficit_lbl" xml:lang="en-US">Retained earnings</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_RetainedEarningsAccumulatedDeficit_lbl" xml:lang="en-US">Retained Earnings (Accumulated Deficit), Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_TreasuryStockValue" xlink:label="us-gaap_TreasuryStockValue" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TreasuryStockValue" xlink:to="us-gaap_TreasuryStockValue_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TreasuryStockValue_lbl" xml:lang="en-US">Treasury Stock, Value</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_TreasuryStockValue_lbl" xml:lang="en-US">Less treasury shares, at cost</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:label="us-gaap_TreasuryStockValue_lbl" xml:lang="en-US">Less treasury shares, at cost</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="us-gaap_TreasuryStockValue_lbl" xml:lang="en-US">Treasury Stock, Value, Ending Balance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="us-gaap_TreasuryStockValue_lbl" xml:lang="en-US">Treasury Stock, Value, Beginning Balance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_TreasuryStockValue_lbl" xml:lang="en-US">Less treasury shares, at cost</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_StockholdersEquity" xlink:label="us-gaap_StockholdersEquity" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StockholdersEquity" xlink:to="us-gaap_StockholdersEquity_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_StockholdersEquity_lbl" xml:lang="en-US">Stockholders' Equity Attributable to Parent</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="us-gaap_StockholdersEquity_lbl" xml:lang="en-US">Ending Balances, Value</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="us-gaap_StockholdersEquity_lbl" xml:lang="en-US">Beginning Balances, Value</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_StockholdersEquity_lbl" xml:lang="en-US">Total stockholders' equity</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_StockholdersEquity_lbl" xml:lang="en-US">Stockholders' equity</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_LiabilitiesAndStockholdersEquity" xlink:label="us-gaap_LiabilitiesAndStockholdersEquity" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LiabilitiesAndStockholdersEquity" xlink:to="us-gaap_LiabilitiesAndStockholdersEquity_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LiabilitiesAndStockholdersEquity_lbl" xml:lang="en-US">Liabilities and Stockholders' Equity BS</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_LiabilitiesAndStockholdersEquity_lbl" xml:lang="en-US">Liabilities and Stockholders' Equity</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_LiabilitiesAndStockholdersEquity_lbl" xml:lang="en-US">Total liabilities and stockholders' equity</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_LiabilitiesAndStockholdersEquity_lbl" xml:lang="en-US">Total liabilities and stockholders' equity</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_AllowanceForDoubtfulAccountsReceivableCurrent" xlink:label="us-gaap_AllowanceForDoubtfulAccountsReceivableCurrent" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AllowanceForDoubtfulAccountsReceivableCurrent" xlink:to="us-gaap_AllowanceForDoubtfulAccountsReceivableCurrent_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AllowanceForDoubtfulAccountsReceivableCurrent_lbl" xml:lang="en-US">Allowance for doubtful accounts</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_AllowanceForDoubtfulAccountsReceivableCurrent_lbl" xml:lang="en-US">Allowance for doubtful accounts</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="us-gaap_AllowanceForDoubtfulAccountsReceivableCurrent_lbl" xml:lang="en-US">Allowance for Doubtful Accounts Receivable, Current, Ending Balance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="us-gaap_AllowanceForDoubtfulAccountsReceivableCurrent_lbl" xml:lang="en-US">Allowance for Doubtful Accounts Receivable, Current, Beginning Balance</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_LoansAndLeasesReceivableAllowance" xlink:label="us-gaap_LoansAndLeasesReceivableAllowance" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LoansAndLeasesReceivableAllowance" xlink:to="us-gaap_LoansAndLeasesReceivableAllowance_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LoansAndLeasesReceivableAllowance_lbl" xml:lang="en-US">Allowance for loan losses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_LoansAndLeasesReceivableAllowance_lbl" xml:lang="en-US">Less: Allowance for loan losses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:label="us-gaap_LoansAndLeasesReceivableAllowance_lbl" xml:lang="en-US">Less: Allowance for loan losses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="us-gaap_LoansAndLeasesReceivableAllowance_lbl" xml:lang="en-US">Balance, end of the period</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="us-gaap_LoansAndLeasesReceivableAllowance_lbl" xml:lang="en-US">Balance, beginning of the period</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_LoansAndLeasesReceivableAllowance_lbl" xml:lang="en-US">Less: Allowance for loan losses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_LoansAndLeasesReceivableAllowance_lbl" xml:lang="en-US">Loans and Leases Receivable, Allowance, Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment" xlink:label="us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment" xlink:to="us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment_lbl" xml:lang="en-US">Accumulated depreciation and amortization</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment_lbl" xml:lang="en-US">Less: Accumulated depreciation and amortization</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment_lbl" xml:lang="en-US">Accumulated Depreciation, Depletion and Amortization, Property, Plant, and Equipment, Ending Balance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment_lbl" xml:lang="en-US">Accumulated Depreciation, Depletion and Amortization, Property, Plant, and Equipment, Beginning Balance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment_lbl" xml:lang="en-US">Less accumulated amortization</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment_lbl" xml:lang="en-US">Accumulated Depreciation, Depletion and Amortization, Property, Plant, and Equipment, Total</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment_lbl" xml:lang="en-US">Less: Accumulated depreciation and amortization</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_CommonStockParOrStatedValuePerShare" xlink:label="us-gaap_CommonStockParOrStatedValuePerShare" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommonStockParOrStatedValuePerShare" xlink:to="us-gaap_CommonStockParOrStatedValuePerShare_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CommonStockParOrStatedValuePerShare_lbl" xml:lang="en-US">Common stock, stated value per share</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_CommonStockSharesAuthorized" xlink:label="us-gaap_CommonStockSharesAuthorized" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommonStockSharesAuthorized" xlink:to="us-gaap_CommonStockSharesAuthorized_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CommonStockSharesAuthorized_lbl" xml:lang="en-US">Common stock, shares authorized</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_CommonStockSharesIssued" xlink:label="us-gaap_CommonStockSharesIssued" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommonStockSharesIssued" xlink:to="us-gaap_CommonStockSharesIssued_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CommonStockSharesIssued_lbl" xml:lang="en-US">Common stock, shares issued</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_CommonStockSharesIssued_lbl" xml:lang="en-US">Common stock shares issued</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_CommonStockSharesIssued_lbl" xml:lang="en-US">Common Stock, Shares, Issued, Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_IncomeStatementAbstract" xlink:label="us-gaap_IncomeStatementAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncomeStatementAbstract" xlink:to="us-gaap_IncomeStatementAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_IncomeStatementAbstract_lbl" xml:lang="en-US">Condensed Consolidated Statements Of Operations And Comprehensive Income (Loss) [Abstract]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_RevenuesAbstract" xlink:label="us-gaap_RevenuesAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RevenuesAbstract" xlink:to="us-gaap_RevenuesAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_RevenuesAbstract_lbl" xml:lang="en-US">Revenues:</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_SalesRevenueServicesNet" xlink:label="us-gaap_SalesRevenueServicesNet" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SalesRevenueServicesNet" xlink:to="us-gaap_SalesRevenueServicesNet_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_SalesRevenueServicesNet_lbl" xml:lang="en-US">Service revenues</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_SalesRevenueServicesNet_lbl" xml:lang="en-US">Sales Revenue, Services, Net, Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_OtherSalesRevenueNet" xlink:label="us-gaap_OtherSalesRevenueNet" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherSalesRevenueNet" xlink:to="us-gaap_OtherSalesRevenueNet_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OtherSalesRevenueNet_lbl" xml:lang="en-US">Product and other revenues</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_OtherSalesRevenueNet_lbl" xml:lang="en-US">Product and other revenues</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_InterestIncomeOperating" xlink:label="us-gaap_InterestIncomeOperating" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestIncomeOperating" xlink:to="us-gaap_InterestIncomeOperating_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InterestIncomeOperating_lbl" xml:lang="en-US">Interest income</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_InterestIncomeOperating_lbl" xml:lang="en-US">Interest Income</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_Revenues" xlink:label="us-gaap_Revenues" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_Revenues" xlink:to="us-gaap_Revenues_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_Revenues_lbl" xml:lang="en-US">Revenues</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_Revenues_lbl" xml:lang="en-US">Total revenues</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_Revenues_lbl" xml:lang="en-US">Total revenues</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_CostsAndExpensesAbstract" xlink:label="us-gaap_CostsAndExpensesAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CostsAndExpensesAbstract" xlink:to="us-gaap_CostsAndExpensesAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CostsAndExpensesAbstract_lbl" xml:lang="en-US">Expenses:</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_SalariesAndWages" xlink:label="us-gaap_SalariesAndWages" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SalariesAndWages" xlink:to="us-gaap_SalariesAndWages_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_SalariesAndWages_lbl" xml:lang="en-US">Compensation</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_SalariesAndWages_lbl" xml:lang="en-US">Compensation and benefits</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_OccupancyAndEquipment" xlink:label="hrb_OccupancyAndEquipment" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_OccupancyAndEquipment" xlink:to="hrb_OccupancyAndEquipment_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_OccupancyAndEquipment_lbl" xml:lang="en-US">Occupancy And Equipment</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_OccupancyAndEquipment_lbl" xml:lang="en-US">Occupancy And Equipment</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_OccupancyAndEquipment_lbl" xml:lang="en-US">Occupancy and equipment</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_DepreciationAndAmortization" xlink:label="us-gaap_DepreciationAndAmortization" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DepreciationAndAmortization" xlink:to="us-gaap_DepreciationAndAmortization_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DepreciationAndAmortization_lbl" xml:lang="en-US">Depreciation, Depletion and Amortization, Nonproduction</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_DepreciationAndAmortization_lbl" xml:lang="en-US">Depreciation/amortization of property and equipment</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_DepreciationAndAmortization_lbl" xml:lang="en-US">Depreciation, Depletion and Amortization, Nonproduction, Total</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_DepreciationAndAmortization_lbl" xml:lang="en-US">Depreciation and amortization</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_ProvisionForBadDebtAndLoanLosses" xlink:label="hrb_ProvisionForBadDebtAndLoanLosses" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_ProvisionForBadDebtAndLoanLosses" xlink:to="hrb_ProvisionForBadDebtAndLoanLosses_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_ProvisionForBadDebtAndLoanLosses_lbl" xml:lang="en-US">Provision For Bad Debt And Loan Losses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_ProvisionForBadDebtAndLoanLosses_lbl" xml:lang="en-US">Provision For Bad Debt And Loan Losses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_ProvisionForBadDebtAndLoanLosses_lbl" xml:lang="en-US">Provision for bad debt and loan losses</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_InterestExpense" xlink:label="us-gaap_InterestExpense" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestExpense" xlink:to="us-gaap_InterestExpense_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InterestExpense_lbl" xml:lang="en-US">Interest expense</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_InterestExpense_lbl" xml:lang="en-US">Interest</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_InterestExpense_lbl" xml:lang="en-US">Interest Expense, Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_OtherCostOfOperatingRevenue" xlink:label="us-gaap_OtherCostOfOperatingRevenue" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherCostOfOperatingRevenue" xlink:to="us-gaap_OtherCostOfOperatingRevenue_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OtherCostOfOperatingRevenue_lbl" xml:lang="en-US">Other Cost of Operating Revenue</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_OtherCostOfOperatingRevenue_lbl" xml:lang="en-US">Other</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_CostOfRevenue" xlink:label="us-gaap_CostOfRevenue" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CostOfRevenue" xlink:to="us-gaap_CostOfRevenue_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CostOfRevenue_lbl" xml:lang="en-US">Cost of revenues</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_CostOfRevenue_lbl" xml:lang="en-US">Cost of revenues</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_GoodwillImpairmentLoss" xlink:label="us-gaap_GoodwillImpairmentLoss" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_GoodwillImpairmentLoss" xlink:to="us-gaap_GoodwillImpairmentLoss_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_GoodwillImpairmentLoss_lbl" xml:lang="en-US">Goodwill, Impairment Loss</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_GoodwillImpairmentLoss_lbl" xml:lang="en-US">Impairments</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_GoodwillImpairmentLoss_lbl" xml:lang="en-US">Impairments</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_GoodwillImpairmentLoss_lbl" xml:lang="en-US">Impairment of goodwill</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_SellingGeneralAndAdministrativeExpense" xlink:label="us-gaap_SellingGeneralAndAdministrativeExpense" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SellingGeneralAndAdministrativeExpense" xlink:to="us-gaap_SellingGeneralAndAdministrativeExpense_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_SellingGeneralAndAdministrativeExpense_lbl" xml:lang="en-US">Selling, general and administrative</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_SellingGeneralAndAdministrativeExpense_lbl" xml:lang="en-US">Selling, general and administrative</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_SellingGeneralAndAdministrativeExpense_lbl" xml:lang="en-US">Selling, general and administrative expenses</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_CostsAndExpenses" xlink:label="us-gaap_CostsAndExpenses" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CostsAndExpenses" xlink:to="us-gaap_CostsAndExpenses_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CostsAndExpenses_lbl" xml:lang="en-US">Costs and Expenses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_CostsAndExpenses_lbl" xml:lang="en-US">Total expenses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_CostsAndExpenses_lbl" xml:lang="en-US">Total expenses</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_OperatingIncomeLoss" xlink:label="us-gaap_OperatingIncomeLoss" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OperatingIncomeLoss" xlink:to="us-gaap_OperatingIncomeLoss_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OperatingIncomeLoss_lbl" xml:lang="en-US">Operating loss</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_OperatingIncomeLoss_lbl" xml:lang="en-US">Pretax income (loss)</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_OperatingIncomeLoss_lbl" xml:lang="en-US">Operating loss</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_OperatingIncomeLoss_lbl" xml:lang="en-US">Operating income (loss)</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_NonoperatingIncomeExpense" xlink:label="us-gaap_NonoperatingIncomeExpense" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NonoperatingIncomeExpense" xlink:to="us-gaap_NonoperatingIncomeExpense_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NonoperatingIncomeExpense_lbl" xml:lang="en-US">Other income, net</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_NonoperatingIncomeExpense_lbl" xml:lang="en-US">Other income (expense), net</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_NonoperatingIncomeExpense_lbl" xml:lang="en-US">Other income (expense), net</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" xlink:label="us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NetIncomeLoss_lbl" xml:lang="en-US">Net Income (Loss)</label>
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    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_EarningsPerShareBasicAndDilutedAbstract" xlink:label="us-gaap_EarningsPerShareBasicAndDilutedAbstract" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_EarningsPerShareBasicAndDilutedAbstract_lbl" xml:lang="en-US">Basic and diluted loss per share:</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_IncomeLossFromContinuingOperationsPerBasicAndDilutedShare" xlink:label="us-gaap_IncomeLossFromContinuingOperationsPerBasicAndDilutedShare" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncomeLossFromContinuingOperationsPerBasicAndDilutedShare" xlink:to="us-gaap_IncomeLossFromContinuingOperationsPerBasicAndDilutedShare_lbl" />
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    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerBasicAndDilutedShare" xlink:to="us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerBasicAndDilutedShare_lbl" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_AverageNumberOfOutstandingSharesBasicAndDiluted_lbl" xml:lang="en-US">Average number of outstanding shares basic and diluted</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_AverageNumberOfOutstandingSharesBasicAndDiluted_lbl" xml:lang="en-US">Average Number Of Outstanding Shares Basic And Diluted</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_CommonStockDividendsPerShareCashPaid_lbl" xml:lang="en-US">Dividends paid per share</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_CommonStockDividendsPerShareCashPaid_lbl" xml:lang="en-US">Dividends paid per share</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ComprehensiveIncomeNetOfTaxAbstract" xlink:label="us-gaap_ComprehensiveIncomeNetOfTaxAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ComprehensiveIncomeNetOfTaxAbstract" xlink:to="us-gaap_ComprehensiveIncomeNetOfTaxAbstract_lbl" />
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    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax" xlink:label="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax_lbl" xml:lang="en-US">Unrealized holding gains (losses) arising during the year, net of taxes of $58, $188 and $(1,736)</label>
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    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_OtherComprehensiveIncomeReclassificationAdjustmentForSaleOfSecuritiesIncludedInNetIncomeNetOfTax" xlink:label="us-gaap_OtherComprehensiveIncomeReclassificationAdjustmentForSaleOfSecuritiesIncludedInNetIncomeNetOfTax" />
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    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_OtherComprehensiveIncomeReclassificationAdjustmentForSaleOfSecuritiesIncludedInNetIncomeTax" xlink:label="us-gaap_OtherComprehensiveIncomeReclassificationAdjustmentForSaleOfSecuritiesIncludedInNetIncomeTax" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OtherComprehensiveIncomeReclassificationAdjustmentForSaleOfSecuritiesIncludedInNetIncomeTax_lbl" xml:lang="en-US">Other Comprehensive Income (Loss), Reclassification Adjustment for Sale of Securities Included in Net Income, Tax</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_OtherComprehensiveIncomeReclassificationAdjustmentForSaleOfSecuritiesIncludedInNetIncomeTax_lbl" xml:lang="en-US">Tax effect of reclassification adjustment for gains included in income</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_StatementOfCashFlowsAbstract" xlink:label="us-gaap_StatementOfCashFlowsAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StatementOfCashFlowsAbstract" xlink:to="us-gaap_StatementOfCashFlowsAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_StatementOfCashFlowsAbstract_lbl" xml:lang="en-US">Condensed Consolidated Statements Of Cash Flows [Abstract]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:label="us-gaap_NetCashProvidedByUsedInOperatingActivities" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetCashProvidedByUsedInOperatingActivities" xlink:to="us-gaap_NetCashProvidedByUsedInOperatingActivities_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NetCashProvidedByUsedInOperatingActivities_lbl" xml:lang="en-US">Net cash used in operating activities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_NetCashProvidedByUsedInOperatingActivities_lbl" xml:lang="en-US">Net cash used in operating activities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_NetCashProvidedByUsedInOperatingActivities_lbl" xml:lang="en-US">Net cash provided by operating activities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_NetCashProvidedByUsedInOperatingActivities_lbl" xml:lang="en-US">Net cash provided by (used in) operating activities:</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:label="us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract" xlink:to="us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract_lbl" xml:lang="en-US">Cash flows from investing activities:</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_PaymentsToAcquireAvailableForSaleSecurities" xlink:label="us-gaap_PaymentsToAcquireAvailableForSaleSecurities" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsToAcquireAvailableForSaleSecurities" xlink:to="us-gaap_PaymentsToAcquireAvailableForSaleSecurities_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PaymentsToAcquireAvailableForSaleSecurities_lbl" xml:lang="en-US">Payments to Acquire Available-for-sale Securities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_PaymentsToAcquireAvailableForSaleSecurities_lbl" xml:lang="en-US">Purchases of available-for-sale securities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:label="us-gaap_PaymentsToAcquireAvailableForSaleSecurities_lbl" xml:lang="en-US">Purchases of AFS securities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_PaymentsToAcquireAvailableForSaleSecurities_lbl" xml:lang="en-US">Purchases of available-for-sale securities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_PaymentsToAcquireAvailableForSaleSecurities_lbl" xml:lang="en-US">Payments to Acquire Available-for-sale Securities, Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_PaymentsForProceedsFromLoansReceivable" xlink:label="us-gaap_PaymentsForProceedsFromLoansReceivable" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsForProceedsFromLoansReceivable" xlink:to="us-gaap_PaymentsForProceedsFromLoansReceivable_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PaymentsForProceedsFromLoansReceivable_lbl" xml:lang="en-US">Principal repayments on mortgage loans held for investment, net</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_PaymentsForProceedsFromLoansReceivable_lbl" xml:lang="en-US">Principal repayments on mortgage loans held for investment, net</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:label="us-gaap_PaymentsForProceedsFromLoansReceivable_lbl" xml:lang="en-US">Mortgage loans originated for investment, net</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_PaymentsForProceedsFromLoansReceivable_lbl" xml:lang="en-US">Mortgage loans originated for investment, net</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_PaymentsForProceedsFromLoansReceivable_lbl" xml:lang="en-US">Payments for (Proceeds from) Loans Receivable, Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_PaymentsToAcquirePropertyPlantAndEquipment" xlink:label="us-gaap_PaymentsToAcquirePropertyPlantAndEquipment" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsToAcquirePropertyPlantAndEquipment" xlink:to="us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_lbl" xml:lang="en-US">Purchases of property and equipment, net</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_lbl" xml:lang="en-US">Purchases of property and equipment, net</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:label="us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_lbl" xml:lang="en-US">Purchase property &amp; equipment</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_lbl" xml:lang="en-US">Purchase property &amp; equipment</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_lbl" xml:lang="en-US">Payments to Acquire Property, Plant, and Equipment, Total</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_PaymentsToAcquirePropertyPlantAndEquipment_lbl" xml:lang="en-US">Capital expenditures</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_PaymentsToAcquireBusinessesNetOfCashAcquired" xlink:label="us-gaap_PaymentsToAcquireBusinessesNetOfCashAcquired" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsToAcquireBusinessesNetOfCashAcquired" xlink:to="us-gaap_PaymentsToAcquireBusinessesNetOfCashAcquired_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PaymentsToAcquireBusinessesNetOfCashAcquired_lbl" xml:lang="en-US">Payments made for business acquisitions, net of cash acquired</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_PaymentsToAcquireBusinessesNetOfCashAcquired_lbl" xml:lang="en-US">Payments made for business acquisitions, net</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:label="us-gaap_PaymentsToAcquireBusinessesNetOfCashAcquired_lbl" xml:lang="en-US">Payments made for business acquisitions, net</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_PaymentsToAcquireBusinessesNetOfCashAcquired_lbl" xml:lang="en-US">Payments made for business acquisitions, net of cash acquired</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ProceedsFromDivestitureOfBusinessesNetOfCashDivested" xlink:label="us-gaap_ProceedsFromDivestitureOfBusinessesNetOfCashDivested" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProceedsFromDivestitureOfBusinessesNetOfCashDivested" xlink:to="us-gaap_ProceedsFromDivestitureOfBusinessesNetOfCashDivested_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ProceedsFromDivestitureOfBusinessesNetOfCashDivested_lbl" xml:lang="en-US">Proceeds from sale of businesses, net</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ProceedsFromDivestitureOfBusinessesNetOfCashDivested_lbl" xml:lang="en-US">Proceeds from sales of businesses, net</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_ProceedsFromDivestitureOfBusinessesNetOfCashDivested_lbl" xml:lang="en-US">Proceeds from Divestiture of Businesses, Net of Cash Divested, Total</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_FranchiseLoansAbstract" xlink:label="hrb_FranchiseLoansAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_FranchiseLoansAbstract" xlink:to="hrb_FranchiseLoansAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_FranchiseLoansAbstract_lbl" xml:lang="en-US">Franchise loans: [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_FranchiseLoansAbstract_lbl" xml:lang="en-US">Franchise loans: [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_FranchiseLoansAbstract_lbl" xml:lang="en-US">Franchise loans:</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_PaymentsForLoansMadeToFranchisees" xlink:label="hrb_PaymentsForLoansMadeToFranchisees" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_PaymentsForLoansMadeToFranchisees" xlink:to="hrb_PaymentsForLoansMadeToFranchisees_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_PaymentsForLoansMadeToFranchisees_lbl" xml:lang="en-US">Payments For Loans Made To Franchisees</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_PaymentsForLoansMadeToFranchisees_lbl" xml:lang="en-US">Payments For Loans Made To Franchisees</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="hrb_PaymentsForLoansMadeToFranchisees_lbl" xml:lang="en-US">Loans funded</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:label="hrb_PaymentsForLoansMadeToFranchisees_lbl" xml:lang="en-US">Loans made to franchisees</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_PaymentsForLoansMadeToFranchisees_lbl" xml:lang="en-US">Loans made to franchisees</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_ProceedsFromCollectionOfFranchiseLoansReceivable" xlink:label="hrb_ProceedsFromCollectionOfFranchiseLoansReceivable" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_ProceedsFromCollectionOfFranchiseLoansReceivable" xlink:to="hrb_ProceedsFromCollectionOfFranchiseLoansReceivable_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_ProceedsFromCollectionOfFranchiseLoansReceivable_lbl" xml:lang="en-US">Proceeds from Collection of Franchise Loans Receivable</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_ProceedsFromCollectionOfFranchiseLoansReceivable_lbl" xml:lang="en-US">Proceeds from Collection of Franchise Loans Receivable</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_ProceedsFromCollectionOfFranchiseLoansReceivable_lbl" xml:lang="en-US">Payments received</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="hrb_ProceedsFromCollectionOfFranchiseLoansReceivable_lbl" xml:lang="en-US">Repayments from franchisees</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_PaymentsForProceedsFromOtherInvestingActivities" xlink:label="us-gaap_PaymentsForProceedsFromOtherInvestingActivities" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsForProceedsFromOtherInvestingActivities" xlink:to="us-gaap_PaymentsForProceedsFromOtherInvestingActivities_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PaymentsForProceedsFromOtherInvestingActivities_lbl" xml:lang="en-US">Payments for (Proceeds from) Other Investing Activities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_PaymentsForProceedsFromOtherInvestingActivities_lbl" xml:lang="en-US">Other, net</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:label="us-gaap_PaymentsForProceedsFromOtherInvestingActivities_lbl" xml:lang="en-US">Other, net</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_PaymentsForProceedsFromOtherInvestingActivities_lbl" xml:lang="en-US">Other, net</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_PaymentsForProceedsFromOtherInvestingActivities_lbl" xml:lang="en-US">Other, net</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:label="us-gaap_NetCashProvidedByUsedInInvestingActivities" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetCashProvidedByUsedInInvestingActivities" xlink:to="us-gaap_NetCashProvidedByUsedInInvestingActivities_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NetCashProvidedByUsedInInvestingActivities_lbl" xml:lang="en-US">Net Cash Provided by (Used in) Investing Activities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:label="us-gaap_NetCashProvidedByUsedInInvestingActivities_lbl" xml:lang="en-US">Net cash used in investing activities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_NetCashProvidedByUsedInInvestingActivities_lbl" xml:lang="en-US">Net cash (used in) investing activities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_NetCashProvidedByUsedInInvestingActivities_lbl" xml:lang="en-US">Net cash provided by (used in) investing activities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_NetCashProvidedByUsedInInvestingActivities_lbl" xml:lang="en-US">Net cash provided by (used in) investing activities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:label="us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract" xlink:to="us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract_lbl" xml:lang="en-US">Cash flows from financing activities:</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_RepaymentsOfCommercialPaper" xlink:label="us-gaap_RepaymentsOfCommercialPaper" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RepaymentsOfCommercialPaper" xlink:to="us-gaap_RepaymentsOfCommercialPaper_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_RepaymentsOfCommercialPaper_lbl" xml:lang="en-US">Repayments of Commercial Paper</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_RepaymentsOfCommercialPaper_lbl" xml:lang="en-US">Repayments of commercial paper</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_RepaymentsOfCommercialPaper_lbl" xml:lang="en-US">Repayments of commercial paper</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_RepaymentsOfCommercialPaper_lbl" xml:lang="en-US">Repayments of commercial paper</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ProceedsFromRepaymentsOfCommercialPaper" xlink:label="us-gaap_ProceedsFromRepaymentsOfCommercialPaper" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProceedsFromRepaymentsOfCommercialPaper" xlink:to="us-gaap_ProceedsFromRepaymentsOfCommercialPaper_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ProceedsFromRepaymentsOfCommercialPaper_lbl" xml:lang="en-US">Proceeds from (Repayments of) Commercial Paper</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_ProceedsFromRepaymentsOfCommercialPaper_lbl" xml:lang="en-US">Proceeds from (Repayments of) Commercial Paper, Total</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_ProceedsFromRepaymentsOfCommercialPaper_lbl" xml:lang="en-US">Proceeds from commercial paper</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_IncreaseDecreaseInDeposits" xlink:label="us-gaap_IncreaseDecreaseInDeposits" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncreaseDecreaseInDeposits" xlink:to="us-gaap_IncreaseDecreaseInDeposits_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_IncreaseDecreaseInDeposits_lbl" xml:lang="en-US">Customer banking deposits, net</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_IncreaseDecreaseInDeposits_lbl" xml:lang="en-US">Customer banking deposits</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_IncreaseDecreaseInDeposits_lbl" xml:lang="en-US">Increase (Decrease) in Deposits, Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_PaymentsOfDividends" xlink:label="us-gaap_PaymentsOfDividends" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PaymentsOfDividends" xlink:to="us-gaap_PaymentsOfDividends_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PaymentsOfDividends_lbl" xml:lang="en-US">Dividends paid</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_PaymentsOfDividends_lbl" xml:lang="en-US">Dividends paid</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_PaymentsOfDividends_lbl" xml:lang="en-US">Payments of Dividends, Total</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_PaymentsForRepurchaseOfCommonStockIncludingSharesSurrendered" xlink:label="hrb_PaymentsForRepurchaseOfCommonStockIncludingSharesSurrendered" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_PaymentsForRepurchaseOfCommonStockIncludingSharesSurrendered" xlink:to="hrb_PaymentsForRepurchaseOfCommonStockIncludingSharesSurrendered_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_PaymentsForRepurchaseOfCommonStockIncludingSharesSurrendered_lbl" xml:lang="en-US">Payments for repurchase of common stock, including shares surrendered</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_PaymentsForRepurchaseOfCommonStockIncludingSharesSurrendered_lbl" xml:lang="en-US">Payments for repurchase of common stock, including shares surrendered</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="hrb_PaymentsForRepurchaseOfCommonStockIncludingSharesSurrendered_lbl" xml:lang="en-US">Repurchase of common stock, including shares surrendered</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:label="hrb_PaymentsForRepurchaseOfCommonStockIncludingSharesSurrendered_lbl" xml:lang="en-US">Repurchase of common stock</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_PaymentsForRepurchaseOfCommonStockIncludingSharesSurrendered_lbl" xml:lang="en-US">Repurchase of common stock</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="hrb_PaymentsForRepurchaseOfCommonStockIncludingSharesSurrendered_lbl" xml:lang="en-US">Repurchase of common stock</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ProceedsFromStockOptionsExercised" xlink:label="us-gaap_ProceedsFromStockOptionsExercised" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProceedsFromStockOptionsExercised" xlink:to="us-gaap_ProceedsFromStockOptionsExercised_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ProceedsFromStockOptionsExercised_lbl" xml:lang="en-US">Proceeds from exercise of stock options</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_ProceedsFromStockOptionsExercised_lbl" xml:lang="en-US">Proceeds from exercise of stock options, net</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ProceedsFromStockOptionsExercised_lbl" xml:lang="en-US">Proceeds from exercise of stock options, net</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_ProceedsFromStockOptionsExercised_lbl" xml:lang="en-US">Proceeds from exercise of stock options, net</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ProceedsFromPaymentsForOtherFinancingActivities" xlink:label="us-gaap_ProceedsFromPaymentsForOtherFinancingActivities" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProceedsFromPaymentsForOtherFinancingActivities" xlink:to="us-gaap_ProceedsFromPaymentsForOtherFinancingActivities_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ProceedsFromPaymentsForOtherFinancingActivities_lbl" xml:lang="en-US">Other, net financing</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ProceedsFromPaymentsForOtherFinancingActivities_lbl" xml:lang="en-US">Other, net</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_ProceedsFromPaymentsForOtherFinancingActivities_lbl" xml:lang="en-US">Other, net</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_NetCashProvidedByUsedInFinancingActivities" xlink:label="us-gaap_NetCashProvidedByUsedInFinancingActivities" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NetCashProvidedByUsedInFinancingActivities" xlink:to="us-gaap_NetCashProvidedByUsedInFinancingActivities_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NetCashProvidedByUsedInFinancingActivities_lbl" xml:lang="en-US">Net Cash Provided by (Used in) Financing Activities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_NetCashProvidedByUsedInFinancingActivities_lbl" xml:lang="en-US">Net cash provided by (used in) financing activities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_NetCashProvidedByUsedInFinancingActivities_lbl" xml:lang="en-US">Net cash provided by financing activities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_NetCashProvidedByUsedInFinancingActivities_lbl" xml:lang="en-US">Net cash provided by (used in) financing activities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_EffectOfExchangeRateOnCashAndCashEquivalents" xlink:label="us-gaap_EffectOfExchangeRateOnCashAndCashEquivalents" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_EffectOfExchangeRateOnCashAndCashEquivalents" xlink:to="us-gaap_EffectOfExchangeRateOnCashAndCashEquivalents_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_EffectOfExchangeRateOnCashAndCashEquivalents_lbl" xml:lang="en-US">Effects of exchange rates on cash</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_EffectOfExchangeRateOnCashAndCashEquivalents_lbl" xml:lang="en-US">Effect of Exchange Rate on Cash and Cash Equivalents, Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease" xlink:label="us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease" xlink:to="us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease_lbl" xml:lang="en-US">Net increase (decrease) in cash and cash equivalents</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease_lbl" xml:lang="en-US">Net increase (decrease) in cash</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease_lbl" xml:lang="en-US">Net decrease in cash and cash equivalents</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_SupplementalCashFlowInformationAbstract" xlink:label="us-gaap_SupplementalCashFlowInformationAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SupplementalCashFlowInformationAbstract" xlink:to="us-gaap_SupplementalCashFlowInformationAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_SupplementalCashFlowInformationAbstract_lbl" xml:lang="en-US">Supplementary cash flow data:</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_IncomeTaxesPaidNet" xlink:label="us-gaap_IncomeTaxesPaidNet" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncomeTaxesPaidNet" xlink:to="us-gaap_IncomeTaxesPaidNet_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_IncomeTaxesPaidNet_lbl" xml:lang="en-US">Income taxes paid</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_IncomeTaxesPaidNet_lbl" xml:lang="en-US">Income taxes paid</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_IncomeTaxesPaidNet_lbl" xml:lang="en-US">Income Taxes Paid, Net, Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_InterestPaid" xlink:label="us-gaap_InterestPaid" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InterestPaid" xlink:to="us-gaap_InterestPaid_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InterestPaid_lbl" xml:lang="en-US">Interest paid on borrowings</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_InterestPaid_lbl" xml:lang="en-US">Interest Paid, Total</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_InterestPaidOnDeposits" xlink:label="hrb_InterestPaidOnDeposits" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_InterestPaidOnDeposits" xlink:to="hrb_InterestPaidOnDeposits_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_InterestPaidOnDeposits_lbl" xml:lang="en-US">Interest paid to customers based on their deposit balances.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_InterestPaidOnDeposits_lbl" xml:lang="en-US">Interest paid on deposits</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_TransferOfOtherRealEstate" xlink:label="us-gaap_TransferOfOtherRealEstate" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TransferOfOtherRealEstate" xlink:to="us-gaap_TransferOfOtherRealEstate_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TransferOfOtherRealEstate_lbl" xml:lang="en-US">Transfers of foreclosed loans to other assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_TransferOfOtherRealEstate_lbl" xml:lang="en-US">Transfers of foreclosed loans to other assets</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_SummaryOfSignificantAccountingPoliciesAbstract" xlink:label="hrb_SummaryOfSignificantAccountingPoliciesAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_SummaryOfSignificantAccountingPoliciesAbstract" xlink:to="hrb_SummaryOfSignificantAccountingPoliciesAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_SummaryOfSignificantAccountingPoliciesAbstract_lbl" xml:lang="en-US">Summary of Significant Accounting Policies [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_SummaryOfSignificantAccountingPoliciesAbstract_lbl" xml:lang="en-US">Summary Of Significant Accounting Policies [Abstract]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_SignificantAccountingPoliciesTextBlock" xlink:label="us-gaap_SignificantAccountingPoliciesTextBlock" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SignificantAccountingPoliciesTextBlock" xlink:to="us-gaap_SignificantAccountingPoliciesTextBlock_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_SignificantAccountingPoliciesTextBlock_lbl" xml:lang="en-US">Significant Accounting Policies</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_SignificantAccountingPoliciesTextBlock_lbl" xml:lang="en-US">Summary Of Significant Accounting Policies</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_LossPerShareAndStockholdersEquityAbstract" xlink:label="hrb_LossPerShareAndStockholdersEquityAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_LossPerShareAndStockholdersEquityAbstract" xlink:to="hrb_LossPerShareAndStockholdersEquityAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_LossPerShareAndStockholdersEquityAbstract_lbl" xml:lang="en-US">Loss Per Share And Stockholders Equity [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_LossPerShareAndStockholdersEquityAbstract_lbl" xml:lang="en-US">Loss Per Share And Stockholders' Equity [Abstract]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_EarningsPerShareTextBlock" xlink:label="us-gaap_EarningsPerShareTextBlock" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_EarningsPerShareTextBlock" xlink:to="us-gaap_EarningsPerShareTextBlock_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_EarningsPerShareTextBlock_lbl" xml:lang="en-US">Earnings Per Share [Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_EarningsPerShareTextBlock_lbl" xml:lang="en-US">Loss Per Share And Stockholders' Equity</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_AccountsAndNotesReceivableUnclassifiedAbstract" xlink:label="us-gaap_AccountsAndNotesReceivableUnclassifiedAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccountsAndNotesReceivableUnclassifiedAbstract" xlink:to="us-gaap_AccountsAndNotesReceivableUnclassifiedAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AccountsAndNotesReceivableUnclassifiedAbstract_lbl" xml:lang="en-US">Receivables [Abstract]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock" xlink:label="us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock" xlink:to="us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock_lbl" xml:lang="en-US">LoansNotesTradeAndOtherReceivablesDisclosureTextBlock</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock_lbl" xml:lang="en-US">Receivables</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsAbstract" xlink:label="hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsAbstract" xlink:to="hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsAbstract_lbl" xml:lang="en-US">Mortgage Loans Held For Investment And Related Assets [Abstract]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsAbstract_lbl" xml:lang="en-US">Mortgage Loans Held For Investment And Related Assets [Abstract]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_MortgageLoansOnRealEstateByLoanDisclosureTextBlock" xlink:label="us-gaap_MortgageLoansOnRealEstateByLoanDisclosureTextBlock" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_MortgageLoansOnRealEstateByLoanDisclosureTextBlock" xlink:to="us-gaap_MortgageLoansOnRealEstateByLoanDisclosureTextBlock_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_MortgageLoansOnRealEstateByLoanDisclosureTextBlock_lbl" xml:lang="en-US">Mortgage Loans on Real Estate by Loan Disclosure</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_MortgageLoansOnRealEstateByLoanDisclosureTextBlock_lbl" xml:lang="en-US">Mortgage Loans Held For Investment And Related Assets</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_AvailableForSaleSecuritiesAbstract" xlink:label="us-gaap_AvailableForSaleSecuritiesAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AvailableForSaleSecuritiesAbstract" xlink:to="us-gaap_AvailableForSaleSecuritiesAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AvailableForSaleSecuritiesAbstract_lbl" xml:lang="en-US">Investments In Available-For-Sale Securities [Abstract]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_AvailableForSaleSecuritiesTextBlock" xlink:label="us-gaap_AvailableForSaleSecuritiesTextBlock" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AvailableForSaleSecuritiesTextBlock" xlink:to="us-gaap_AvailableForSaleSecuritiesTextBlock_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AvailableForSaleSecuritiesTextBlock_lbl" xml:lang="en-US">Available-for-sale Securities [Table Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_AvailableForSaleSecuritiesTextBlock_lbl" xml:lang="en-US">Investments In Available-For-Sale Securities</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock_lbl" xml:lang="en-US">Computation Of Basic And Diluted Loss Per Share From Continuing Operations</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_ScheduleOfComponentsOfStockholdersEquityTableTextBlock_lbl" xml:lang="en-US">Schedule Of Components Of Stockholders Equity [Table Text Block]</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_ScheduleOfShortTermReceivablesTableTextBlock_lbl" xml:lang="en-US">Schedule of Short-Term Receivables [Table Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_ScheduleOfShortTermReceivablesTableTextBlock_lbl" xml:lang="en-US">Schedule of Short-Term Receivables [Table Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_ScheduleOfShortTermReceivablesTableTextBlock_lbl" xml:lang="en-US">Schedule Of Short-Term Receivables</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_ScheduleOfReceivablesBasedOnYearOfOriginationTableTextBlock_lbl" xml:lang="en-US">Schedule of Receivables Based on Year of Origination [Table Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_ScheduleOfReceivablesBasedOnYearOfOriginationTableTextBlock_lbl" xml:lang="en-US">Schedule of Receivables Based on Year of Origination [Table Text Block]</label>
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    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_ScheduleOfActivityInAllowanceForDoubtfulAccountsTableTextBlock" xlink:label="hrb_ScheduleOfActivityInAllowanceForDoubtfulAccountsTableTextBlock" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_ScheduleOfActivityInAllowanceForDoubtfulAccountsTableTextBlock" xlink:to="hrb_ScheduleOfActivityInAllowanceForDoubtfulAccountsTableTextBlock_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_ScheduleOfActivityInAllowanceForDoubtfulAccountsTableTextBlock_lbl" xml:lang="en-US">Schedule of Activity in the Allowance for Doubtful Accounts [Table Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_ScheduleOfActivityInAllowanceForDoubtfulAccountsTableTextBlock_lbl" xml:lang="en-US">Schedule of Activity in the Allowance for Doubtful Accounts [Table Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_ScheduleOfActivityInAllowanceForDoubtfulAccountsTableTextBlock_lbl" xml:lang="en-US">Schedule Of Activity In The Allowance For Doubtful Accounts</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_ScheduleOfMortgageLoanPortfolioTextBlock" xlink:label="hrb_ScheduleOfMortgageLoanPortfolioTextBlock" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_ScheduleOfMortgageLoanPortfolioTextBlock" xlink:to="hrb_ScheduleOfMortgageLoanPortfolioTextBlock_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_ScheduleOfMortgageLoanPortfolioTextBlock_lbl" xml:lang="en-US">Schedule of mortgage loan portfolio [Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_ScheduleOfMortgageLoanPortfolioTextBlock_lbl" xml:lang="en-US">Schedule of mortgage loan portfolio [Text block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_ScheduleOfMortgageLoanPortfolioTextBlock_lbl" xml:lang="en-US">Schedule Of Mortgage Loan Portfolio</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_ScheduleOfAllowanceForLoanLossesTextBlock" xlink:label="hrb_ScheduleOfAllowanceForLoanLossesTextBlock" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_ScheduleOfAllowanceForLoanLossesTextBlock" xlink:to="hrb_ScheduleOfAllowanceForLoanLossesTextBlock_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_ScheduleOfAllowanceForLoanLossesTextBlock_lbl" xml:lang="en-US">Schedule Of Allowance For Loan Losses [Text block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_ScheduleOfAllowanceForLoanLossesTextBlock_lbl" xml:lang="en-US">Schedule Of Allowance For Loan Losses [Text block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_ScheduleOfAllowanceForLoanLossesTextBlock_lbl" xml:lang="en-US">Schedule Of Allowance For Loan Losses</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_ScheduleOfPortfolioBalanceTextBlock" xlink:label="hrb_ScheduleOfPortfolioBalanceTextBlock" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_ScheduleOfPortfolioBalanceTextBlock" xlink:to="hrb_ScheduleOfPortfolioBalanceTextBlock_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_ScheduleOfPortfolioBalanceTextBlock_lbl" xml:lang="en-US">Schedule of Portfolio Balance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_ScheduleOfPortfolioBalanceTextBlock_lbl" xml:lang="en-US">Schedule of Portfolio Balance [Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_ScheduleOfPortfolioBalanceTextBlock_lbl" xml:lang="en-US">Schedule Of Portfolio Balance</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_ScheduleOfPortfolioBalanceAndRelatedAllowanceTextBlock" xlink:label="hrb_ScheduleOfPortfolioBalanceAndRelatedAllowanceTextBlock" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_ScheduleOfPortfolioBalanceAndRelatedAllowanceTextBlock_lbl" xml:lang="en-US">Schedule of Portfolio Balance and Related Allowance [Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_ScheduleOfPortfolioBalanceAndRelatedAllowanceTextBlock_lbl" xml:lang="en-US">Schedule of Portfolio Balance and Related Allowance [Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_ScheduleOfPortfolioBalanceAndRelatedAllowanceTextBlock_lbl" xml:lang="en-US">Schedule Of Mortgage Loans Held For Investment And The Related Allowance</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_ScheduleOfCreditQualityIndicatorsAndPortfolioBalanceTextBlock" xlink:label="hrb_ScheduleOfCreditQualityIndicatorsAndPortfolioBalanceTextBlock" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_ScheduleOfCreditQualityIndicatorsAndPortfolioBalanceTextBlock_lbl" xml:lang="en-US">Schedule of Credit Quality Indicators and Portfolio Balance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_ScheduleOfCreditQualityIndicatorsAndPortfolioBalanceTextBlock_lbl" xml:lang="en-US">Schedule of Credit Quality Indicators and Portfolio Balance [Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_ScheduleOfCreditQualityIndicatorsAndPortfolioBalanceTextBlock_lbl" xml:lang="en-US">Schedule Of Credit Quality Indicators And Portfolio Balance</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_ScheduleOfPastDueMortgageLoans" xlink:label="hrb_ScheduleOfPastDueMortgageLoans" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_ScheduleOfPastDueMortgageLoans_lbl" xml:lang="en-US">Schedule Of Past Due Mortgage Loans</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_ScheduleOfPastDueMortgageLoans_lbl" xml:lang="en-US">Schedule Of Past Due Mortgage Loans</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_ScheduleOfPastDueMortgageLoans_lbl" xml:lang="en-US">Schedule Of Past Due Mortgage Loans</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_ScheduleOfNonAccrualLoansTableTextBlock" xlink:label="hrb_ScheduleOfNonAccrualLoansTableTextBlock" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_ScheduleOfNonAccrualLoansTableTextBlock" xlink:to="hrb_ScheduleOfNonAccrualLoansTableTextBlock_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_ScheduleOfNonAccrualLoansTableTextBlock_lbl" xml:lang="en-US">Schedule Of Non Accrual Loans [Table Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_ScheduleOfNonAccrualLoansTableTextBlock_lbl" xml:lang="en-US">Schedule Of Non Accrual Loans [Table Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_ScheduleOfNonAccrualLoansTableTextBlock_lbl" xml:lang="en-US">Schedule Of Non-Accrual Loans</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_ScheduleOfImpairedLoansTextBlock" xlink:label="hrb_ScheduleOfImpairedLoansTextBlock" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_ScheduleOfImpairedLoansTextBlock" xlink:to="hrb_ScheduleOfImpairedLoansTextBlock_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_ScheduleOfImpairedLoansTextBlock_lbl" xml:lang="en-US">Schedule Of Impaired Loans [Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_ScheduleOfImpairedLoansTextBlock_lbl" xml:lang="en-US">Schedule Of Impaired Loans [Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_ScheduleOfImpairedLoansTextBlock_lbl" xml:lang="en-US">Information Related To Impaired Loans</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_ScheduleOfAllowanceForImpairedLoansTableTextBlock" xlink:label="hrb_ScheduleOfAllowanceForImpairedLoansTableTextBlock" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_ScheduleOfAllowanceForImpairedLoansTableTextBlock_lbl" xml:lang="en-US">Schedule Of Allowance For Impaired Loans [Table Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_ScheduleOfAllowanceForImpairedLoansTableTextBlock_lbl" xml:lang="en-US">Schedule Of Allowance For Impaired Loans [Table Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_ScheduleOfAllowanceForImpairedLoansTableTextBlock_lbl" xml:lang="en-US">Schedule Of Allowance For Impaired Loans</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_ScheduleOfRealEstatePropertiesNonPerformingAssetsTableTextBlock" xlink:label="hrb_ScheduleOfRealEstatePropertiesNonPerformingAssetsTableTextBlock" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_ScheduleOfRealEstatePropertiesNonPerformingAssetsTableTextBlock" xlink:to="hrb_ScheduleOfRealEstatePropertiesNonPerformingAssetsTableTextBlock_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_ScheduleOfRealEstatePropertiesNonPerformingAssetsTableTextBlock_lbl" xml:lang="en-US">Schedule of Real Estate Properties Non Performing Assets [Table Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_ScheduleOfRealEstatePropertiesNonPerformingAssetsTableTextBlock_lbl" xml:lang="en-US">Schedule of Real Estate Properties Non Performing Assets [Table Text Block]</label>
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    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ScheduleOfRealEstatePropertiesTableTextBlock" xlink:label="us-gaap_ScheduleOfRealEstatePropertiesTableTextBlock" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfRealEstatePropertiesTableTextBlock" xlink:to="us-gaap_ScheduleOfRealEstatePropertiesTableTextBlock_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ScheduleOfRealEstatePropertiesTableTextBlock_lbl" xml:lang="en-US">Schedule Of RealEstate Properties Table Text Block</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ScheduleOfRealEstatePropertiesTableTextBlock_lbl" xml:lang="en-US">Schedule Of Real Estate Owned</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_ScheduleOfAmortizedCostAndFairValueOfSecuritiesAvailableForSaleTableTextBlock" xlink:label="hrb_ScheduleOfAmortizedCostAndFairValueOfSecuritiesAvailableForSaleTableTextBlock" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_ScheduleOfAmortizedCostAndFairValueOfSecuritiesAvailableForSaleTableTextBlock" xlink:to="hrb_ScheduleOfAmortizedCostAndFairValueOfSecuritiesAvailableForSaleTableTextBlock_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_ScheduleOfAmortizedCostAndFairValueOfSecuritiesAvailableForSaleTableTextBlock_lbl" xml:lang="en-US">Schedule Of Amortized Cost And Fair Value Of Securities Available-For-Sale [Table Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_ScheduleOfAmortizedCostAndFairValueOfSecuritiesAvailableForSaleTableTextBlock_lbl" xml:lang="en-US">Schedule Of Amortized Cost And Fair Value Of Securities Available-For-Sale [Table Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_ScheduleOfAmortizedCostAndFairValueOfSecuritiesAvailableForSaleTableTextBlock_lbl" xml:lang="en-US">Amortized Cost And Fair Value Of Securities Available-For-Sale</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock" xlink:label="us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock_lbl" xml:lang="en-US">Investments Classified by Contractual Maturity Date [Table Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock_lbl" xml:lang="en-US">Contractual Maturities Of AFS Debt Securities At Varying Dates Over The Next 30 Years</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_FairValueMeasurementInputsDisclosureTextBlock" xlink:label="us-gaap_FairValueMeasurementInputsDisclosureTextBlock" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FairValueMeasurementInputsDisclosureTextBlock_lbl" xml:lang="en-US">Fair Value, Measurement Inputs, Disclosure [Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FairValueMeasurementInputsDisclosureTextBlock_lbl" xml:lang="en-US">Fair Value Assets Measured At Fair Value On A Recurring And Non-Recurring Basis</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FairValueByBalanceSheetGroupingTextBlock_lbl" xml:lang="en-US">Fair Value, by Balance Sheet Grouping [Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FairValueByBalanceSheetGroupingTextBlock_lbl" xml:lang="en-US">Fair Value Of Financial Instruments</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ScheduleOfGoodwillTextBlock" xlink:label="us-gaap_ScheduleOfGoodwillTextBlock" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfGoodwillTextBlock" xlink:to="us-gaap_ScheduleOfGoodwillTextBlock_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ScheduleOfGoodwillTextBlock_lbl" xml:lang="en-US">Schedule Of Goodwill</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ScheduleOfGoodwillTextBlock_lbl" xml:lang="en-US">Goodwill</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ScheduleOfFiniteLivedIntangibleAssetsByMajorClassTextBlock" xlink:label="us-gaap_ScheduleOfFiniteLivedIntangibleAssetsByMajorClassTextBlock" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ScheduleOfFiniteLivedIntangibleAssetsByMajorClassTextBlock_lbl" xml:lang="en-US">Schedule Of Intangible Assets</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ScheduleOfDebtTableTextBlock" xlink:label="us-gaap_ScheduleOfDebtTableTextBlock" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ScheduleOfDebtTableTextBlock_lbl" xml:lang="en-US">Schedule of Debt [Table Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ScheduleOfDebtTableTextBlock_lbl" xml:lang="en-US">Components of Long-Term Debt</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_ScheduleOfDebtTableTextBlock_lbl" xml:lang="en-US">Schedule Of Borrowings</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_ScheduleOfInterestIncomeExpenseByTypeTableTextBlock" xlink:label="hrb_ScheduleOfInterestIncomeExpenseByTypeTableTextBlock" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_ScheduleOfInterestIncomeExpenseByTypeTableTextBlock" xlink:to="hrb_ScheduleOfInterestIncomeExpenseByTypeTableTextBlock_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_ScheduleOfInterestIncomeExpenseByTypeTableTextBlock_lbl" xml:lang="en-US">Schedule Of Interest Income Expense By Type [Table Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_ScheduleOfInterestIncomeExpenseByTypeTableTextBlock_lbl" xml:lang="en-US">Schedule Of Interest Income Expense By Type [Table Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="hrb_ScheduleOfInterestIncomeExpenseByTypeTableTextBlock_lbl" xml:lang="en-US">Schedule Of Interest Income And Expense Of Continuing Operations</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_HrbBankSRegulatoryCapitalRequirementsTextBlock" xlink:label="hrb_HrbBankSRegulatoryCapitalRequirementsTextBlock" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_HrbBankSRegulatoryCapitalRequirementsTextBlock" xlink:to="hrb_HrbBankSRegulatoryCapitalRequirementsTextBlock_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_HrbBankSRegulatoryCapitalRequirementsTextBlock_lbl" xml:lang="en-US">HRB Bank's Regulatory Capital Requirements [Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_HrbBankSRegulatoryCapitalRequirementsTextBlock_lbl" xml:lang="en-US">HRB Bank's Regulatory Capital Requirements [Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_HrbBankSRegulatoryCapitalRequirementsTextBlock_lbl" xml:lang="en-US">HRB Bank's Regulatory Capital Requirements</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_DeferredRevenueByArrangementDisclosureTextBlock" xlink:label="us-gaap_DeferredRevenueByArrangementDisclosureTextBlock" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DeferredRevenueByArrangementDisclosureTextBlock" xlink:to="us-gaap_DeferredRevenueByArrangementDisclosureTextBlock_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DeferredRevenueByArrangementDisclosureTextBlock_lbl" xml:lang="en-US">Schedule Of Deferred Revenue Related To The Peace Of Mind Program</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_CommitmentsDisclosureTextBlock" xlink:label="us-gaap_CommitmentsDisclosureTextBlock" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommitmentsDisclosureTextBlock" xlink:to="us-gaap_CommitmentsDisclosureTextBlock_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CommitmentsDisclosureTextBlock_lbl" xml:lang="en-US">Schedule Of Contractual Obligations And Commitments</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_CommitmentsDisclosureTextBlock_lbl" xml:lang="en-US">Schedule Of Contractual Obligations And Commitments</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_ClaimsReceivedByLoanOriginationYearTextBlock" xlink:label="hrb_ClaimsReceivedByLoanOriginationYearTextBlock" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_ClaimsReceivedByLoanOriginationYearTextBlock" xlink:to="hrb_ClaimsReceivedByLoanOriginationYearTextBlock_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_ClaimsReceivedByLoanOriginationYearTextBlock_lbl" xml:lang="en-US">Claims received by loan origination year text block</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_ClaimsReceivedByLoanOriginationYearTextBlock_lbl" xml:lang="en-US">Claims Received By Loan Origination Year Text Block</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_ClaimsReceivedByLoanOriginationYearTextBlock_lbl" xml:lang="en-US">Claims Received By Loan Origination Year</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_RollforwardOfReserveForLossesOnRepurchases" xlink:label="hrb_RollforwardOfReserveForLossesOnRepurchases" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_RollforwardOfReserveForLossesOnRepurchases" xlink:to="hrb_RollforwardOfReserveForLossesOnRepurchases_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_RollforwardOfReserveForLossesOnRepurchases_lbl" xml:lang="en-US">Rollforward of reserve for losses on repurchases</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_RollforwardOfReserveForLossesOnRepurchases_lbl" xml:lang="en-US">Rollforward Of Reserve For Losses On Repurchases</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_RollforwardOfReserveForLossesOnRepurchases_lbl" xml:lang="en-US">Rollforward Of Reserve For Losses On Repurchases</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_IncomeLossFromDiscontinuedOperationsTextBlock" xlink:label="hrb_IncomeLossFromDiscontinuedOperationsTextBlock" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_IncomeLossFromDiscontinuedOperationsTextBlock" xlink:to="hrb_IncomeLossFromDiscontinuedOperationsTextBlock_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_IncomeLossFromDiscontinuedOperationsTextBlock_lbl" xml:lang="en-US">Income Loss From Discontinued Operations [Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_IncomeLossFromDiscontinuedOperationsTextBlock_lbl" xml:lang="en-US">Income Loss From Discontinued Operations [Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_IncomeLossFromDiscontinuedOperationsTextBlock_lbl" xml:lang="en-US">Income (Loss) From Discontinued Operations</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ReconciliationOfRevenueFromSegmentsToConsolidatedTextBlock" xlink:label="us-gaap_ReconciliationOfRevenueFromSegmentsToConsolidatedTextBlock" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ReconciliationOfRevenueFromSegmentsToConsolidatedTextBlock" xlink:to="us-gaap_ReconciliationOfRevenueFromSegmentsToConsolidatedTextBlock_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ReconciliationOfRevenueFromSegmentsToConsolidatedTextBlock_lbl" xml:lang="en-US">Reconciliation of Revenue from Segments to Consolidated [Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ReconciliationOfRevenueFromSegmentsToConsolidatedTextBlock_lbl" xml:lang="en-US">Continuing Operations By Reportable Operating Segment</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_ScheduleOfCondensedConsolidatingStatementOfOperationsTableTextBlock" xlink:label="hrb_ScheduleOfCondensedConsolidatingStatementOfOperationsTableTextBlock" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_ScheduleOfCondensedConsolidatingStatementOfOperationsTableTextBlock" xlink:to="hrb_ScheduleOfCondensedConsolidatingStatementOfOperationsTableTextBlock_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_ScheduleOfCondensedConsolidatingStatementOfOperationsTableTextBlock_lbl" xml:lang="en-US">Schedule of condensed consolidating statement of operations [Table Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_ScheduleOfCondensedConsolidatingStatementOfOperationsTableTextBlock_lbl" xml:lang="en-US">Schedule Of Condensed Consolidating Statement Of Operations [Table Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="hrb_ScheduleOfCondensedConsolidatingStatementOfOperationsTableTextBlock_lbl" xml:lang="en-US">Schedule Of Condensed Consolidating Statements Of Operations</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_ScheduleOfCondensedConsolidatingBalanceSheetTableTextBlock" xlink:label="hrb_ScheduleOfCondensedConsolidatingBalanceSheetTableTextBlock" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_ScheduleOfCondensedConsolidatingBalanceSheetTableTextBlock" xlink:to="hrb_ScheduleOfCondensedConsolidatingBalanceSheetTableTextBlock_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_ScheduleOfCondensedConsolidatingBalanceSheetTableTextBlock_lbl" xml:lang="en-US">Schedule of condensed consolidating balance sheet [Table Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_ScheduleOfCondensedConsolidatingBalanceSheetTableTextBlock_lbl" xml:lang="en-US">Schedule Of Condensed Consolidating Balance Sheet [Table Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="hrb_ScheduleOfCondensedConsolidatingBalanceSheetTableTextBlock_lbl" xml:lang="en-US">Schedule Of Condensed Consolidating Balance Sheets</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_ScheduleOfCondensedConsolidatingStatementOfCashFlowsTextBlock" xlink:label="hrb_ScheduleOfCondensedConsolidatingStatementOfCashFlowsTextBlock" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_ScheduleOfCondensedConsolidatingStatementOfCashFlowsTextBlock" xlink:to="hrb_ScheduleOfCondensedConsolidatingStatementOfCashFlowsTextBlock_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_ScheduleOfCondensedConsolidatingStatementOfCashFlowsTextBlock_lbl" xml:lang="en-US">Schedule of Condensed Consolidating Statement of Cash Flows [Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_ScheduleOfCondensedConsolidatingStatementOfCashFlowsTextBlock_lbl" xml:lang="en-US">Schedule of Condensed Consolidating Statement of Cash Flows [Text Block]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_ScheduleOfCondensedConsolidatingStatementOfCashFlowsTextBlock_lbl" xml:lang="en-US">Schedule Of Condensed Consolidating Statements Of Cash Flows</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_SummaryOfSignificantAccountingPoliciesTable" xlink:label="hrb_SummaryOfSignificantAccountingPoliciesTable" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_SummaryOfSignificantAccountingPoliciesTable" xlink:to="hrb_SummaryOfSignificantAccountingPoliciesTable_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_SummaryOfSignificantAccountingPoliciesTable_lbl" xml:lang="en-US">Summary Of Significant Accounting Policies [Table]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_SummaryOfSignificantAccountingPoliciesTable_lbl" xml:lang="en-US">Summary Of Significant Accounting Policies [Table]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2011/dei-2011-01-31.xsd#dei_LegalEntityAxis" xlink:label="dei_LegalEntityAxis" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_LegalEntityAxis" xlink:to="dei_LegalEntityAxis_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_LegalEntityAxis_lbl" xml:lang="en-US">Legal Entity [Axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.sec.gov/dei/2011/dei-2011-01-31.xsd#dei_EntityDomain" xlink:label="dei_EntityDomain" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityDomain" xlink:to="dei_EntityDomain_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="dei_EntityDomain_lbl" xml:lang="en-US">Entity [Domain]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="dei_EntityDomain_lbl" xml:lang="en-US">Entity [Domain]</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_RsmMcgladreyIncMember" xlink:label="hrb_RsmMcgladreyIncMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_RsmMcgladreyIncMember" xlink:to="hrb_RsmMcgladreyIncMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_RsmMcgladreyIncMember_lbl" xml:lang="en-US">RSM McGladrey Inc [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_RsmMcgladreyIncMember_lbl" xml:lang="en-US">Rsm Mcgladrey Inc [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_RsmMcgladreyIncMember_lbl" xml:lang="en-US">RSM McGladrey, Inc. [Member]</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_RsmEquicoIncMember" xlink:label="hrb_RsmEquicoIncMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_RsmEquicoIncMember" xlink:to="hrb_RsmEquicoIncMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_RsmEquicoIncMember_lbl" xml:lang="en-US">RSM EquiCo Inc [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_RsmEquicoIncMember_lbl" xml:lang="en-US">Rsm Equico Inc [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_RsmEquicoIncMember_lbl" xml:lang="en-US">RSM EquiCo, Inc. [Member]</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_SummaryOfSignificantAccountingPoliciesLineItems" xlink:label="hrb_SummaryOfSignificantAccountingPoliciesLineItems" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_SummaryOfSignificantAccountingPoliciesLineItems" xlink:to="hrb_SummaryOfSignificantAccountingPoliciesLineItems_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_SummaryOfSignificantAccountingPoliciesLineItems_lbl" xml:lang="en-US">Summary Of Significant Accounting Policies [Line Items]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_SummaryOfSignificantAccountingPoliciesLineItems_lbl" xml:lang="en-US">Summary Of Significant Accounting Policies [Line Items]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_DisposalGroupIncludingDiscontinuedOperationCashAndCashEquivalents" xlink:label="us-gaap_DisposalGroupIncludingDiscontinuedOperationCashAndCashEquivalents" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DisposalGroupIncludingDiscontinuedOperationCashAndCashEquivalents" xlink:to="us-gaap_DisposalGroupIncludingDiscontinuedOperationCashAndCashEquivalents_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DisposalGroupIncludingDiscontinuedOperationCashAndCashEquivalents_lbl" xml:lang="en-US">Disposal Group, Including Discontinued Operation, Cash and Cash Equivalents</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_DisposalGroupIncludingDiscontinuedOperationCashAndCashEquivalents_lbl" xml:lang="en-US">Cash proceeds total, discontinued operation</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_DisposalGroupIncludingDiscontinuedOperationShortTermReceivable" xlink:label="hrb_DisposalGroupIncludingDiscontinuedOperationShortTermReceivable" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_DisposalGroupIncludingDiscontinuedOperationShortTermReceivable" xlink:to="hrb_DisposalGroupIncludingDiscontinuedOperationShortTermReceivable_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_DisposalGroupIncludingDiscontinuedOperationShortTermReceivable_lbl" xml:lang="en-US">Disposal group including discontinued operation short term receivable.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_DisposalGroupIncludingDiscontinuedOperationShortTermReceivable_lbl" xml:lang="en-US">Disposal Group Including Discontinued Operation Short Term Receivable</label>
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    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_DisposalGroupIncludingDiscontinuedOperationNoteReceivable" xlink:label="hrb_DisposalGroupIncludingDiscontinuedOperationNoteReceivable" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_DisposalGroupIncludingDiscontinuedOperationNoteReceivable_lbl" xml:lang="en-US">Disposal group, including discontinued operation, note receivable</label>
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    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DiscontinuedOperationGainLossOnDisposalOfDiscontinuedOperationNetOfTax" xlink:to="us-gaap_DiscontinuedOperationGainLossOnDisposalOfDiscontinuedOperationNetOfTax_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DiscontinuedOperationGainLossOnDisposalOfDiscontinuedOperationNetOfTax_lbl" xml:lang="en-US">Discontinued Operation, Gain (Loss) on Disposal of Discontinued Operation, Net of Tax</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_DiscontinuedOperationGainLossOnDisposalOfDiscontinuedOperationNetOfTax_lbl" xml:lang="en-US">Loss on sale of discontinued operation, net of tax</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_DiscontinuedOperationGainLossOnDisposalOfDiscontinuedOperationNetOfTax_lbl" xml:lang="en-US">Net income tax expense (benefit)</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_AgreementToSellAssetsOfDiscontinuedOperation" xlink:label="hrb_AgreementToSellAssetsOfDiscontinuedOperation" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_AgreementToSellAssetsOfDiscontinuedOperation_lbl" xml:lang="en-US">Agreement To Sell Assets Of Discontinued Operation</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_AgreementToSellAssetsOfDiscontinuedOperation_lbl" xml:lang="en-US">Agreement To Sell Assets Of Discontinued Operation</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_AgreementToSellAssetsOfDiscontinuedOperation_lbl" xml:lang="en-US">Agreement to sell assets of discontinued operation</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_DiscontinuedOperationTaxEffectOfIncomeLossFromDisposalOfDiscontinuedOperation" xlink:label="us-gaap_DiscontinuedOperationTaxEffectOfIncomeLossFromDisposalOfDiscontinuedOperation" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DiscontinuedOperationTaxEffectOfIncomeLossFromDisposalOfDiscontinuedOperation" xlink:to="us-gaap_DiscontinuedOperationTaxEffectOfIncomeLossFromDisposalOfDiscontinuedOperation_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DiscontinuedOperationTaxEffectOfIncomeLossFromDisposalOfDiscontinuedOperation_lbl" xml:lang="en-US">Discontinued Operation, Tax Effect of Income (Loss) from Disposal of Discontinued Operation</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/netLabel" xlink:label="us-gaap_DiscontinuedOperationTaxEffectOfIncomeLossFromDisposalOfDiscontinuedOperation_lbl" xml:lang="en-US">Income tax benefit</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_DiscontinuedOperationTaxEffectOfIncomeLossFromDisposalOfDiscontinuedOperation_lbl" xml:lang="en-US">Tax benefit from the loss on sale of discontinued operations</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_DiscontinuedOperationTaxEffectOfIncomeLossFromDisposalOfDiscontinuedOperation_lbl" xml:lang="en-US">Discontinued Operation, Tax Effect of Income (Loss) from Disposal of Discontinued Operation, Total</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_DiscontinuedOperationTaxEffectOfIncomeLossFromDisposalOfDiscontinuedOperation_lbl" xml:lang="en-US">Net income tax expense (benefit)</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount" xlink:label="us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount_lbl" xml:lang="en-US">Antidilutive securities excluded from computation of earnings per share, amount</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount_lbl" xml:lang="en-US">Antidilutive stock options excluded from diluted earnings per share</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount_lbl" xml:lang="en-US">Diluted earnings per share excludes the impact of shares of common stock issuable, shares</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_WeightedAverageNumberOfSharesOutstandingBasic" xlink:label="us-gaap_WeightedAverageNumberOfSharesOutstandingBasic" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_WeightedAverageNumberOfSharesOutstandingBasic" xlink:to="us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_lbl" xml:lang="en-US">Basic shares</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_lbl" xml:lang="en-US">Weighted average shares outstanding</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_lbl" xml:lang="en-US">Weighted Average Number of Shares Outstanding, Basic, Total</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_WeightedAverageNumberOfSharesOutstandingBasic_lbl" xml:lang="en-US">Basic weighted average common shares</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_StockIssuedDuringPeriodSharesNewIssues" xlink:label="us-gaap_StockIssuedDuringPeriodSharesNewIssues" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StockIssuedDuringPeriodSharesNewIssues" xlink:to="us-gaap_StockIssuedDuringPeriodSharesNewIssues_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_StockIssuedDuringPeriodSharesNewIssues_lbl" xml:lang="en-US">Stock Issued During Period, Shares, New Issues</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_StockIssuedDuringPeriodSharesNewIssues_lbl" xml:lang="en-US">Common stock shares issued</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_StockIssuedDuringPeriodSharesNewIssues_lbl" xml:lang="en-US">Employee stock purchases and vesting of nonvested shares</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_StockRepurchasedAndRetiredDuringPeriodShares" xlink:label="us-gaap_StockRepurchasedAndRetiredDuringPeriodShares" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StockRepurchasedAndRetiredDuringPeriodShares" xlink:to="us-gaap_StockRepurchasedAndRetiredDuringPeriodShares_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_StockRepurchasedAndRetiredDuringPeriodShares_lbl" xml:lang="en-US">Repurchased and retired H&amp;R Block common stock, shares</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_StockRepurchasedAndRetiredDuringPeriodShares_lbl" xml:lang="en-US">Retirement of common shares, shares</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_StockRepurchasedAndRetiredDuringPeriodShares_lbl" xml:lang="en-US">Stock repurchased and retired during period shares</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_StockRepurchasedAndRetiredDuringPeriodShares_lbl" xml:lang="en-US">Retirement of common shares, shares</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_StockRepurchasedAndRetiredDuringPeriodValue" xlink:label="us-gaap_StockRepurchasedAndRetiredDuringPeriodValue" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StockRepurchasedAndRetiredDuringPeriodValue" xlink:to="us-gaap_StockRepurchasedAndRetiredDuringPeriodValue_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_StockRepurchasedAndRetiredDuringPeriodValue_lbl" xml:lang="en-US">Retirement of common shares, value</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_StockRepurchasedAndRetiredDuringPeriodValue_lbl" xml:lang="en-US">Retirement of common shares, value</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_StockRepurchasedAndRetiredDuringPeriodValue_lbl" xml:lang="en-US">Stock repurchased and retired during period value</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_StockRepurchasedAndRetiredDuringPeriodValue_lbl" xml:lang="en-US">Repurchased and retired H&amp;R Block common stock, value</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_StockRepurchasedDuringPeriodShares" xlink:label="us-gaap_StockRepurchasedDuringPeriodShares" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StockRepurchasedDuringPeriodShares" xlink:to="us-gaap_StockRepurchasedDuringPeriodShares_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_StockRepurchasedDuringPeriodShares_lbl" xml:lang="en-US">Stock Repurchased During Period, Shares</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_StockRepurchasedDuringPeriodShares_lbl" xml:lang="en-US">Purchase of H&amp;R Block common stock, shares</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_StockRepurchasedDuringPeriodValue" xlink:label="us-gaap_StockRepurchasedDuringPeriodValue" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_StockRepurchasedDuringPeriodValue" xlink:to="us-gaap_StockRepurchasedDuringPeriodValue_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_StockRepurchasedDuringPeriodValue_lbl" xml:lang="en-US">Stock Repurchased During Period, Value</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_StockRepurchasedDuringPeriodValue_lbl" xml:lang="en-US">Purchase of H&amp;R Block common stock, value</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod" xlink:to="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod_lbl" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award, Award Vesting Period</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod_lbl" xml:lang="en-US">Awards vesting period (in years)</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriod" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriod" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriod" xlink:to="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriod_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriod_lbl" xml:lang="en-US">Stock options granted in period</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriod_lbl" xml:lang="en-US">Shares, Granted</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriod_lbl" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award, Options, Grants in Period, Net of Forfeitures, Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod" xlink:to="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_lbl" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award, Equity Instruments Other than Options, Grants in Period</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_lbl" xml:lang="en-US">Nonvested shares granted in period</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod_lbl" xml:lang="en-US">Shares, Granted</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_ShareBasedCompensationShareBasedPaymentAwardEquityInstrumentsOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" xlink:label="hrb_ShareBasedCompensationShareBasedPaymentAwardEquityInstrumentsOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_ShareBasedCompensationShareBasedPaymentAwardEquityInstrumentsOptionsGrantsInPeriodWeightedAverageGrantDateFairValue" xlink:to="hrb_ShareBasedCompensationShareBasedPaymentAwardEquityInstrumentsOptionsGrantsInPeriodWeightedAverageGrantDateFairValue_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_ShareBasedCompensationShareBasedPaymentAwardEquityInstrumentsOptionsGrantsInPeriodWeightedAverageGrantDateFairValue_lbl" xml:lang="en-US">Share Based Compensation Share Based Payment Award Equity Instruments Options Grants In Period Weighted Average Grant Date Fair Value</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_ShareBasedCompensationShareBasedPaymentAwardEquityInstrumentsOptionsGrantsInPeriodWeightedAverageGrantDateFairValue_lbl" xml:lang="en-US">Share Based Compensation Share Based Payment Award Equity Instruments Options Grants In Period Weighted Average Grant Date Fair Value</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_ShareBasedCompensationShareBasedPaymentAwardEquityInstrumentsOptionsGrantsInPeriodWeightedAverageGrantDateFairValue_lbl" xml:lang="en-US">The weighted average fair value of options granted</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="hrb_ShareBasedCompensationShareBasedPaymentAwardEquityInstrumentsOptionsGrantsInPeriodWeightedAverageGrantDateFairValue_lbl" xml:lang="en-US">Weighted average fair value of options granted</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardCompensationCost" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardCompensationCost" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardCompensationCost" xlink:to="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardCompensationCost_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardCompensationCost_lbl" xml:lang="en-US">Share-based Compensation Arrangement by Share-based Payment Award, Compensation Cost</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardCompensationCost_lbl" xml:lang="en-US">Stock-based compensation expense total</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardCompensationCost_lbl" xml:lang="en-US">Stock-based compensation expense of our continuing operations</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_EmployeeServiceShareBasedCompensationUnrecognizedCompensationCostOnStockOptions" xlink:label="hrb_EmployeeServiceShareBasedCompensationUnrecognizedCompensationCostOnStockOptions" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_EmployeeServiceShareBasedCompensationUnrecognizedCompensationCostOnStockOptions" xlink:to="hrb_EmployeeServiceShareBasedCompensationUnrecognizedCompensationCostOnStockOptions_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_EmployeeServiceShareBasedCompensationUnrecognizedCompensationCostOnStockOptions_lbl" xml:lang="en-US">Employee Service Share Based Compensation Unrecognized Compensation Cost On Stock Options</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_EmployeeServiceShareBasedCompensationUnrecognizedCompensationCostOnStockOptions_lbl" xml:lang="en-US">Employee Service Share Based Compensation Unrecognized Compensation Cost On Stock Options</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_EmployeeServiceShareBasedCompensationUnrecognizedCompensationCostOnStockOptions_lbl" xml:lang="en-US">Unrecognized compensation cost, options</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized" xlink:label="us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic_lbl" xml:lang="en-US">Net loss from continuing operations attributable to common shareholders</label>
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    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment" xlink:to="us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment_lbl" xml:lang="en-US">Weighted Average Number Diluted Shares Outstanding Adjustment</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment_lbl" xml:lang="en-US">Potential dilutive shares</label>
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    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" xlink:label="us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding" xlink:to="us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_lbl" xml:lang="en-US">Diluted shares</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding_lbl" xml:lang="en-US">Dilutive weighted average common shares</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_EarningsPerShareAbstract" xlink:label="us-gaap_EarningsPerShareAbstract" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_EarningsPerShareAbstract" xlink:to="us-gaap_EarningsPerShareAbstract_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_EarningsPerShareAbstract_lbl" xml:lang="en-US">Earnings Per Share Abstract</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_EarningsPerShareAbstract_lbl" xml:lang="en-US">Loss per share from continuing operations:</label>
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    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncomeLossFromContinuingOperationsPerBasicShare" xlink:to="us-gaap_IncomeLossFromContinuingOperationsPerBasicShare_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_IncomeLossFromContinuingOperationsPerBasicShare_lbl" xml:lang="en-US">Income (Loss) from Continuing Operations, Per Outstanding Share</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_IncomeLossFromContinuingOperationsPerBasicShare_lbl" xml:lang="en-US">Net income from continuing operations</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_IncomeLossFromContinuingOperationsPerBasicShare_lbl" xml:lang="en-US">Income (Loss) from Continuing Operations, Per Outstanding Share, Total</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_IncomeLossFromContinuingOperationsPerBasicShare_lbl" xml:lang="en-US">Basic</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_IncomeLossFromContinuingOperationsPerDilutedShare" xlink:label="us-gaap_IncomeLossFromContinuingOperationsPerDilutedShare" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncomeLossFromContinuingOperationsPerDilutedShare" xlink:to="us-gaap_IncomeLossFromContinuingOperationsPerDilutedShare_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_IncomeLossFromContinuingOperationsPerDilutedShare_lbl" xml:lang="en-US">Diluted</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_IncomeLossFromContinuingOperationsPerDilutedShare_lbl" xml:lang="en-US">Net income from continuing operations</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_IncomeLossFromContinuingOperationsPerDilutedShare_lbl" xml:lang="en-US">Net income (loss) from continuing operations</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_IncomeLossFromContinuingOperationsPerDilutedShare_lbl" xml:lang="en-US">Net income (loss) from continuing operations</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_CommonStockValueOutstanding" xlink:label="us-gaap_CommonStockValueOutstanding" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommonStockValueOutstanding" xlink:to="us-gaap_CommonStockValueOutstanding_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CommonStockValueOutstanding_lbl" xml:lang="en-US">Common Stock, Value, Outstanding</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_CommonStockValueOutstanding_lbl" xml:lang="en-US">Common stock</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_AdditionalPaidInCapital" xlink:label="us-gaap_AdditionalPaidInCapital" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AdditionalPaidInCapital" xlink:to="us-gaap_AdditionalPaidInCapital_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AdditionalPaidInCapital_lbl" xml:lang="en-US">Additional Paid in Capital</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="us-gaap_AdditionalPaidInCapital_lbl" xml:lang="en-US">Additional Paid in Capital, Ending Balance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="us-gaap_AdditionalPaidInCapital_lbl" xml:lang="en-US">Additional Paid in Capital, Beginning Balance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_AdditionalPaidInCapital_lbl" xml:lang="en-US">Additional Paid in Capital, Total</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_AdditionalPaidInCapital_lbl" xml:lang="en-US">Additional paid-in capital</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_PostconfirmationRetainedEarningsDeficit" xlink:label="us-gaap_PostconfirmationRetainedEarningsDeficit" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PostconfirmationRetainedEarningsDeficit_lbl" xml:lang="en-US">Postconfirmation, Retained Earnings (Deficit)</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_PostconfirmationRetainedEarningsDeficit_lbl" xml:lang="en-US">Retained earnings</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_AllocatedShareholdersEquityTotal" xlink:label="hrb_AllocatedShareholdersEquityTotal" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_AllocatedShareholdersEquityTotal" xlink:to="hrb_AllocatedShareholdersEquityTotal_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_AllocatedShareholdersEquityTotal_lbl" xml:lang="en-US">Allocated Shareholders Equity Total</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_AllocatedShareholdersEquityTotal_lbl" xml:lang="en-US">Allocated Shareholders Equity Total</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_AllocatedShareholdersEquityTotal_lbl" xml:lang="en-US">Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:label="us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable" xlink:to="us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTable_lbl" xml:lang="en-US">Schedule of Accounts, Notes, Loans and Financing Receivable [Table]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis" xlink:label="us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis" xlink:to="us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AccountsNotesLoansAndFinancingReceivableByReceivableTypeAxis_lbl" xml:lang="en-US">Accounts, Notes, Loans and Financing Receivable by Receivable Type [Axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ReceivableTypeDomain" xlink:label="us-gaap_ReceivableTypeDomain" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ReceivableTypeDomain" xlink:to="us-gaap_ReceivableTypeDomain_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ReceivableTypeDomain_lbl" xml:lang="en-US">Receivable Type [Domain]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ReceivableTypeDomain_lbl" xml:lang="en-US">Receivable Type [Domain]</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_EmeraldAdvanceLinesOfCreditMember" xlink:label="hrb_EmeraldAdvanceLinesOfCreditMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_EmeraldAdvanceLinesOfCreditMember" xlink:to="hrb_EmeraldAdvanceLinesOfCreditMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_EmeraldAdvanceLinesOfCreditMember_lbl" xml:lang="en-US">Emerald Advance Lines of Credit</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_EmeraldAdvanceLinesOfCreditMember_lbl" xml:lang="en-US">Emerald Advance Lines Of Credit [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_EmeraldAdvanceLinesOfCreditMember_lbl" xml:lang="en-US">Emerald Advance Lines Of Credit [Member]</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_TermLoansMember" xlink:label="hrb_TermLoansMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_TermLoansMember" xlink:to="hrb_TermLoansMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_TermLoansMember_lbl" xml:lang="en-US">Term Loans [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_TermLoansMember_lbl" xml:lang="en-US">Term Loans [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_TermLoansMember_lbl" xml:lang="en-US">Term Loans [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_LineOfCreditMember" xlink:label="us-gaap_LineOfCreditMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LineOfCreditMember" xlink:to="us-gaap_LineOfCreditMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LineOfCreditMember_lbl" xml:lang="en-US">Line Of Credit [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_LineOfCreditMember_lbl" xml:lang="en-US">Revolving Lines Of Credit [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:label="us-gaap_AccountsNotesAndLoansReceivableLineItems" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccountsNotesAndLoansReceivableLineItems" xlink:to="us-gaap_AccountsNotesAndLoansReceivableLineItems_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AccountsNotesAndLoansReceivableLineItems_lbl" xml:lang="en-US">Accounts, Notes, Loans and Financing Receivable [Line Items]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_DebtInstrumentInterestRateStatedPercentage" xlink:label="us-gaap_DebtInstrumentInterestRateStatedPercentage" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DebtInstrumentInterestRateStatedPercentage" xlink:to="us-gaap_DebtInstrumentInterestRateStatedPercentage_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DebtInstrumentInterestRateStatedPercentage_lbl" xml:lang="en-US">Debt Instrument, Interest Rate, Stated Percentage</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_DebtInstrumentInterestRateStatedPercentage_lbl" xml:lang="en-US">Long-term note, interest rate</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest" xlink:label="us-gaap_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest" xlink:to="us-gaap_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest_lbl" xml:lang="en-US">90+ days past due, non-accrual</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest_lbl" xml:lang="en-US">Non-accrual status loans</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest_lbl" xml:lang="en-US">Interest income on impaired loans recognized on a cash basis on non-accrual status</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_ImpairedNonAccrualStatusTerm" xlink:label="hrb_ImpairedNonAccrualStatusTerm" />
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_ImpairedNonAccrualStatusTerm_lbl" xml:lang="en-US">Impaired Non Accrual Status Term</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_ImpairedNonAccrualStatusTerm_lbl" xml:lang="en-US">Impaired Non Accrual Status Term</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_ImpairedNonAccrualStatusTerm_lbl" xml:lang="en-US">Impaired non-accrual status term, days</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_NotesReceivableNet" xlink:label="us-gaap_NotesReceivableNet" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NotesReceivableNet" xlink:to="us-gaap_NotesReceivableNet_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NotesReceivableNet_lbl" xml:lang="en-US">Notes, Loans and Financing Receivable, Net</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_NotesReceivableNet_lbl" xml:lang="en-US">Receivables, net</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_NotesReceivableNet_lbl" xml:lang="en-US">Receivables, net</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_ReceivablesForTaxPreparationAndRelatedFeesMember" xlink:label="hrb_ReceivablesForTaxPreparationAndRelatedFeesMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_ReceivablesForTaxPreparationAndRelatedFeesMember" xlink:to="hrb_ReceivablesForTaxPreparationAndRelatedFeesMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_ReceivablesForTaxPreparationAndRelatedFeesMember_lbl" xml:lang="en-US">Receivables for Tax Preparation and Related Fees</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_ReceivablesForTaxPreparationAndRelatedFeesMember_lbl" xml:lang="en-US">Receivables For Tax Preparation And Related Fees [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_ReceivablesForTaxPreparationAndRelatedFeesMember_lbl" xml:lang="en-US">Receivables For Tax Preparation And Related Fees [Member]</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_RoyaltiesFromFranchiseesMember" xlink:label="hrb_RoyaltiesFromFranchiseesMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_RoyaltiesFromFranchiseesMember" xlink:to="hrb_RoyaltiesFromFranchiseesMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_RoyaltiesFromFranchiseesMember_lbl" xml:lang="en-US">Royalties from Franchisees [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_RoyaltiesFromFranchiseesMember_lbl" xml:lang="en-US">Royalties From Franchisees [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_RoyaltiesFromFranchiseesMember_lbl" xml:lang="en-US">Royalties From Franchisees [Member]</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_LoansToFranchiseesMember" xlink:label="hrb_LoansToFranchiseesMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_LoansToFranchiseesMember" xlink:to="hrb_LoansToFranchiseesMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_LoansToFranchiseesMember_lbl" xml:lang="en-US">Loans to Franchisees</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_LoansToFranchiseesMember_lbl" xml:lang="en-US">Loans To Franchisees [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_LoansToFranchiseesMember_lbl" xml:lang="en-US">Loans To Franchisees [Member]</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_ReceivableFromMcgladreyAndPullenLlpMember" xlink:label="hrb_ReceivableFromMcgladreyAndPullenLlpMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_ReceivableFromMcgladreyAndPullenLlpMember" xlink:to="hrb_ReceivableFromMcgladreyAndPullenLlpMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_ReceivableFromMcgladreyAndPullenLlpMember_lbl" xml:lang="en-US">Receivable From McGladrey And Pullen LLP [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_ReceivableFromMcgladreyAndPullenLlpMember_lbl" xml:lang="en-US">Receivable From Mcgladrey And Pullen Llp [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_ReceivableFromMcgladreyAndPullenLlpMember_lbl" xml:lang="en-US">Receivable From M&amp;P [Member]</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_RefundAnticipationChecksFeesReceivableMember" xlink:label="hrb_RefundAnticipationChecksFeesReceivableMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_RefundAnticipationChecksFeesReceivableMember" xlink:to="hrb_RefundAnticipationChecksFeesReceivableMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_RefundAnticipationChecksFeesReceivableMember_lbl" xml:lang="en-US">Refund Anticipation Checks Fees Receivable [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_RefundAnticipationChecksFeesReceivableMember_lbl" xml:lang="en-US">Refund Anticipation Checks Fees Receivable [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_RefundAnticipationChecksFeesReceivableMember_lbl" xml:lang="en-US">RAC Fees Receivable [Member]</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_TaxClientReceivablesMember" xlink:label="hrb_TaxClientReceivablesMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_TaxClientReceivablesMember" xlink:to="hrb_TaxClientReceivablesMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_TaxClientReceivablesMember_lbl" xml:lang="en-US">Tax Client Receivables</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_TaxClientReceivablesMember_lbl" xml:lang="en-US">Tax Client Receivables [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_TaxClientReceivablesMember_lbl" xml:lang="en-US">Tax Client Receivables - RALs [Member]</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_OtherReceivablesMember" xlink:label="hrb_OtherReceivablesMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_OtherReceivablesMember" xlink:to="hrb_OtherReceivablesMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_OtherReceivablesMember_lbl" xml:lang="en-US">Other Receivables [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_OtherReceivablesMember_lbl" xml:lang="en-US">Other Receivables [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_OtherReceivablesMember_lbl" xml:lang="en-US">Other [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_NotesAndLoansReceivableGrossCurrent" xlink:label="us-gaap_NotesAndLoansReceivableGrossCurrent" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NotesAndLoansReceivableGrossCurrent" xlink:to="us-gaap_NotesAndLoansReceivableGrossCurrent_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NotesAndLoansReceivableGrossCurrent_lbl" xml:lang="en-US">Notes, Loans and Financing Receivable, Gross, Current</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_NotesAndLoansReceivableGrossCurrent_lbl" xml:lang="en-US">Financing receivables, current</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_NotesAndLoansReceivableGrossCurrent_lbl" xml:lang="en-US">Receivables, gross</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_NotesAndLoansReceivableNetCurrent" xlink:label="us-gaap_NotesAndLoansReceivableNetCurrent" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NotesAndLoansReceivableNetCurrent" xlink:to="us-gaap_NotesAndLoansReceivableNetCurrent_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NotesAndLoansReceivableNetCurrent_lbl" xml:lang="en-US">Notes, Loans and Financing Receivable, Net, Current</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_NotesAndLoansReceivableNetCurrent_lbl" xml:lang="en-US">Short-term</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_NotesAndLoansReceivableNetCurrent_lbl" xml:lang="en-US">Notes, Loans and Financing Receivable, Net, Current, Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_NotesAndLoansReceivableNetNoncurrent" xlink:label="us-gaap_NotesAndLoansReceivableNetNoncurrent" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NotesAndLoansReceivableNetNoncurrent" xlink:to="us-gaap_NotesAndLoansReceivableNetNoncurrent_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NotesAndLoansReceivableNetNoncurrent_lbl" xml:lang="en-US">Notes, Loans and Financing Receivable, Net, Noncurrent</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_NotesAndLoansReceivableNetNoncurrent_lbl" xml:lang="en-US">Long-term</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_NotesAndLoansReceivableNetNoncurrent_lbl" xml:lang="en-US">Notes, Loans and Financing Receivable, Net, Noncurrent, Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_FairValueOffBalanceSheetRisksByFinancialInstrumentAxis" xlink:label="us-gaap_FairValueOffBalanceSheetRisksByFinancialInstrumentAxis" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueOffBalanceSheetRisksByFinancialInstrumentAxis" xlink:to="us-gaap_FairValueOffBalanceSheetRisksByFinancialInstrumentAxis_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FairValueOffBalanceSheetRisksByFinancialInstrumentAxis_lbl" xml:lang="en-US">Fair Value, Off-balance Sheet Risks by Financial Instrument [Axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_FairValueOffBalanceSheetRisksFinancialInstrumentsDomain" xlink:label="us-gaap_FairValueOffBalanceSheetRisksFinancialInstrumentsDomain" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueOffBalanceSheetRisksFinancialInstrumentsDomain" xlink:to="us-gaap_FairValueOffBalanceSheetRisksFinancialInstrumentsDomain_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FairValueOffBalanceSheetRisksFinancialInstrumentsDomain_lbl" xml:lang="en-US">Fair Value Off Balance Sheet Risks Financial Instruments [Domain]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FairValueOffBalanceSheetRisksFinancialInstrumentsDomain_lbl" xml:lang="en-US">Fair Value, Off-balance Sheet Risks, Financial Instruments [Domain]</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_YearOfOrigination2012Member" xlink:label="hrb_YearOfOrigination2012Member" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_YearOfOrigination2012Member" xlink:to="hrb_YearOfOrigination2012Member_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_YearOfOrigination2012Member_lbl" xml:lang="en-US">Year Of Origination 2012 [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_YearOfOrigination2012Member_lbl" xml:lang="en-US">Year Of Origination2012 [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_YearOfOrigination2012Member_lbl" xml:lang="en-US">Year Of Origination 2012 [Member]</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_CreditQualityIndicatorCurrentYearOfOriginationMember" xlink:label="hrb_CreditQualityIndicatorCurrentYearOfOriginationMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_CreditQualityIndicatorCurrentYearOfOriginationMember" xlink:to="hrb_CreditQualityIndicatorCurrentYearOfOriginationMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_CreditQualityIndicatorCurrentYearOfOriginationMember_lbl" xml:lang="en-US">Credit Quality Indicator Current Year of origination [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_CreditQualityIndicatorCurrentYearOfOriginationMember_lbl" xml:lang="en-US">Credit Quality Indicator Current Year Of Origination [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_CreditQualityIndicatorCurrentYearOfOriginationMember_lbl" xml:lang="en-US">Year Of Origination 2011 [Member]</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_CreditQualityIndicatorOneYearFormOriginationMember" xlink:label="hrb_CreditQualityIndicatorOneYearFormOriginationMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_CreditQualityIndicatorOneYearFormOriginationMember" xlink:to="hrb_CreditQualityIndicatorOneYearFormOriginationMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_CreditQualityIndicatorOneYearFormOriginationMember_lbl" xml:lang="en-US">Credit Quality Indicator One Year Form Origination [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_CreditQualityIndicatorOneYearFormOriginationMember_lbl" xml:lang="en-US">Credit Quality Indicator One Year Form Origination [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_CreditQualityIndicatorOneYearFormOriginationMember_lbl" xml:lang="en-US">Year Of Origination 2010 [Member]</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_CreditQualityIndicatorTwoYearFormOriginationMember" xlink:label="hrb_CreditQualityIndicatorTwoYearFormOriginationMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_CreditQualityIndicatorTwoYearFormOriginationMember" xlink:to="hrb_CreditQualityIndicatorTwoYearFormOriginationMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_CreditQualityIndicatorTwoYearFormOriginationMember_lbl" xml:lang="en-US">Credit Quality Indicator Two Year Form Origination [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_CreditQualityIndicatorTwoYearFormOriginationMember_lbl" xml:lang="en-US">Credit Quality Indicator Two Year Form Origination [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_CreditQualityIndicatorTwoYearFormOriginationMember_lbl" xml:lang="en-US">Year Of Origination 2009 [Member]</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_CreditQualityIndicatorThreeYearAndPriorFormOriginationMember" xlink:label="hrb_CreditQualityIndicatorThreeYearAndPriorFormOriginationMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_CreditQualityIndicatorThreeYearAndPriorFormOriginationMember" xlink:to="hrb_CreditQualityIndicatorThreeYearAndPriorFormOriginationMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_CreditQualityIndicatorThreeYearAndPriorFormOriginationMember_lbl" xml:lang="en-US">Credit Quality Indicator Three Year and Prior Form Origination [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_CreditQualityIndicatorThreeYearAndPriorFormOriginationMember_lbl" xml:lang="en-US">Credit Quality Indicator Three Year And Prior Form Origination [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_CreditQualityIndicatorThreeYearAndPriorFormOriginationMember_lbl" xml:lang="en-US">Year Of Origination 2008 And Prior [Member]</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_RevolvingLoansMember" xlink:label="hrb_RevolvingLoansMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_RevolvingLoansMember" xlink:to="hrb_RevolvingLoansMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_RevolvingLoansMember_lbl" xml:lang="en-US">Revolving Loans [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_RevolvingLoansMember_lbl" xml:lang="en-US">Revolving Loans [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_RevolvingLoansMember_lbl" xml:lang="en-US">Revolving Loans [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_LoansAndLeasesReceivableCommercial" xlink:label="us-gaap_LoansAndLeasesReceivableCommercial" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LoansAndLeasesReceivableCommercial" xlink:to="us-gaap_LoansAndLeasesReceivableCommercial_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LoansAndLeasesReceivableCommercial_lbl" xml:lang="en-US">Loans and Leases Receivable, Gross, Commercial</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_LoansAndLeasesReceivableCommercial_lbl" xml:lang="en-US">Receivables, Net</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_LoansAndLeasesReceivableCommercial_lbl" xml:lang="en-US">Loans and Leases Receivable, Gross, Commercial, Total</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_AllOtherReceivablesMember" xlink:label="hrb_AllOtherReceivablesMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_AllOtherReceivablesMember" xlink:to="hrb_AllOtherReceivablesMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_AllOtherReceivablesMember_lbl" xml:lang="en-US">All Other Receivables [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_AllOtherReceivablesMember_lbl" xml:lang="en-US">All Other Receivables [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_AllOtherReceivablesMember_lbl" xml:lang="en-US">All Other Receivables [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_PremiumsReceivableAllowanceForDoubtfulAccounts" xlink:label="us-gaap_PremiumsReceivableAllowanceForDoubtfulAccounts" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PremiumsReceivableAllowanceForDoubtfulAccounts" xlink:to="us-gaap_PremiumsReceivableAllowanceForDoubtfulAccounts_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PremiumsReceivableAllowanceForDoubtfulAccounts_lbl" xml:lang="en-US">Premiums Receivable, Allowance for Doubtful Accounts</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="us-gaap_PremiumsReceivableAllowanceForDoubtfulAccounts_lbl" xml:lang="en-US">Ending balance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="us-gaap_PremiumsReceivableAllowanceForDoubtfulAccounts_lbl" xml:lang="en-US">Beginning balance</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_PremiumsReceivableAllowanceForDoubtfulAccountsProvisionChargedToExpense" xlink:label="us-gaap_PremiumsReceivableAllowanceForDoubtfulAccountsProvisionChargedToExpense" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PremiumsReceivableAllowanceForDoubtfulAccountsProvisionChargedToExpense" xlink:to="us-gaap_PremiumsReceivableAllowanceForDoubtfulAccountsProvisionChargedToExpense_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PremiumsReceivableAllowanceForDoubtfulAccountsProvisionChargedToExpense_lbl" xml:lang="en-US">Premiums Receivable, Allowance for Doubtful Accounts, Provision Charged to Expense</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_PremiumsReceivableAllowanceForDoubtfulAccountsProvisionChargedToExpense_lbl" xml:lang="en-US">Provision</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_PremiumsReceivableAllowanceForDoubtfulAccountsWriteOffsAgainstAllowance" xlink:label="us-gaap_PremiumsReceivableAllowanceForDoubtfulAccountsWriteOffsAgainstAllowance" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PremiumsReceivableAllowanceForDoubtfulAccountsWriteOffsAgainstAllowance" xlink:to="us-gaap_PremiumsReceivableAllowanceForDoubtfulAccountsWriteOffsAgainstAllowance_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PremiumsReceivableAllowanceForDoubtfulAccountsWriteOffsAgainstAllowance_lbl" xml:lang="en-US">Premiums Receivable, Allowance for Doubtful Accounts, Write Offs Against Allowance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_PremiumsReceivableAllowanceForDoubtfulAccountsWriteOffsAgainstAllowance_lbl" xml:lang="en-US">Charge-offs</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ConcentrationRiskTable" xlink:label="us-gaap_ConcentrationRiskTable" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ConcentrationRiskTable" xlink:to="us-gaap_ConcentrationRiskTable_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ConcentrationRiskTable_lbl" xml:lang="en-US">Concentration Risk [Table]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ConcentrationRiskByTypeAxis" xlink:label="us-gaap_ConcentrationRiskByTypeAxis" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ConcentrationRiskByTypeAxis" xlink:to="us-gaap_ConcentrationRiskByTypeAxis_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ConcentrationRiskByTypeAxis_lbl" xml:lang="en-US">Concentration Risk by Type [Axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ConcentrationRiskTypeDomain" xlink:label="us-gaap_ConcentrationRiskTypeDomain" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ConcentrationRiskTypeDomain" xlink:to="us-gaap_ConcentrationRiskTypeDomain_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ConcentrationRiskTypeDomain_lbl" xml:lang="en-US">Concentration Risk Type [Domain]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ConcentrationRiskTypeDomain_lbl" xml:lang="en-US">Concentration Risk Type [Domain]</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_HrbBankInterestOnlyMortgageMember" xlink:label="hrb_HrbBankInterestOnlyMortgageMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_HrbBankInterestOnlyMortgageMember" xlink:to="hrb_HrbBankInterestOnlyMortgageMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_HrbBankInterestOnlyMortgageMember_lbl" xml:lang="en-US">HRB Bank Interest-only Mortgage [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_HrbBankInterestOnlyMortgageMember_lbl" xml:lang="en-US">Hrb Bank Interest Only Mortgage [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_HrbBankInterestOnlyMortgageMember_lbl" xml:lang="en-US">HRB Bank Interest-Only Mortgage [Member]</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_MinimumCreditScoreMember" xlink:label="hrb_MinimumCreditScoreMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_MinimumCreditScoreMember" xlink:to="hrb_MinimumCreditScoreMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_MinimumCreditScoreMember_lbl" xml:lang="en-US">Minimum Credit Score [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_MinimumCreditScoreMember_lbl" xml:lang="en-US">Minimum Credit Score [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_MinimumCreditScoreMember_lbl" xml:lang="en-US">Minimum Credit Score [Member]</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_MaximumCreditScoreMember" xlink:label="hrb_MaximumCreditScoreMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_MaximumCreditScoreMember" xlink:to="hrb_MaximumCreditScoreMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_MaximumCreditScoreMember_lbl" xml:lang="en-US">Maximum Credit Score [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_MaximumCreditScoreMember_lbl" xml:lang="en-US">Maximum Credit Score [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_MaximumCreditScoreMember_lbl" xml:lang="en-US">Maximum Credit Score [Member]</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems" xlink:label="hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems" xlink:to="hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems_lbl" xml:lang="en-US">Mortgage Loans Held For Investment And Related Assets [Line Items]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems_lbl" xml:lang="en-US">Mortgage Loans Held For Investment And Related Assets [Line Items]</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_LoanLossReserveToMortgageLoans" xlink:label="hrb_LoanLossReserveToMortgageLoans" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_LoanLossReserveToMortgageLoans" xlink:to="hrb_LoanLossReserveToMortgageLoans_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_LoanLossReserveToMortgageLoans_lbl" xml:lang="en-US">Loan Loss Reserve To Mortgage Loans</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_LoanLossReserveToMortgageLoans_lbl" xml:lang="en-US">Loan Loss Reserve To Mortgage Loans</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_LoanLossReserveToMortgageLoans_lbl" xml:lang="en-US">Loan loss reserve as a percentage of mortgage loans</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ConcentrationRiskPercentage" xlink:label="us-gaap_ConcentrationRiskPercentage" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ConcentrationRiskPercentage" xlink:to="us-gaap_ConcentrationRiskPercentage_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ConcentrationRiskPercentage_lbl" xml:lang="en-US">Concentration Risk, Percentage</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ConcentrationRiskPercentage_lbl" xml:lang="en-US">Percent of loans purchased</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_ConcentrationRiskPercentage_lbl" xml:lang="en-US">Concentration risk percent</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_LoanToValueAtOriginationInOrderToHaveInternalRiskRatingOfMedium" xlink:label="hrb_LoanToValueAtOriginationInOrderToHaveInternalRiskRatingOfMedium" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_LoanToValueAtOriginationInOrderToHaveInternalRiskRatingOfMedium" xlink:to="hrb_LoanToValueAtOriginationInOrderToHaveInternalRiskRatingOfMedium_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_LoanToValueAtOriginationInOrderToHaveInternalRiskRatingOfMedium_lbl" xml:lang="en-US">Loan-to-value at Origination in Order to Have Internal Risk Rating of Medium</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_LoanToValueAtOriginationInOrderToHaveInternalRiskRatingOfMedium_lbl" xml:lang="en-US">Loan-to-value at Origination in Order to Have Internal Risk Rating of Medium</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_LoanToValueAtOriginationInOrderToHaveInternalRiskRatingOfMedium_lbl" xml:lang="en-US">Loan-to-value at origination in order to have internal risk rating of medium</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_MaximumCreditScoreToBeGivenInternalRiskRatingOfMedium" xlink:label="hrb_MaximumCreditScoreToBeGivenInternalRiskRatingOfMedium" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_MaximumCreditScoreToBeGivenInternalRiskRatingOfMedium" xlink:to="hrb_MaximumCreditScoreToBeGivenInternalRiskRatingOfMedium_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_MaximumCreditScoreToBeGivenInternalRiskRatingOfMedium_lbl" xml:lang="en-US">Maximum Credit Score to Be Given Internal Risk Rating of Medium</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_MaximumCreditScoreToBeGivenInternalRiskRatingOfMedium_lbl" xml:lang="en-US">Maximum Credit Score to Be Given Internal Risk Rating of Medium</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_MaximumCreditScoreToBeGivenInternalRiskRatingOfMedium_lbl" xml:lang="en-US">Maximum credit score to be given internal risk rating of medium</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_MinimumCreditScoreToBeGivenInternalRiskRatingOfLow" xlink:label="hrb_MinimumCreditScoreToBeGivenInternalRiskRatingOfLow" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_MinimumCreditScoreToBeGivenInternalRiskRatingOfLow" xlink:to="hrb_MinimumCreditScoreToBeGivenInternalRiskRatingOfLow_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_MinimumCreditScoreToBeGivenInternalRiskRatingOfLow_lbl" xml:lang="en-US">Minimum Credit Score To Be Given Internal Risk Rating Of Low</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_MinimumCreditScoreToBeGivenInternalRiskRatingOfLow_lbl" xml:lang="en-US">Minimum Credit Score To Be Given Internal Risk Rating Of Low</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_MinimumCreditScoreToBeGivenInternalRiskRatingOfLow_lbl" xml:lang="en-US">Minimum credit score to be given internal risk rating of low</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_PercentageOfMortgageLoanPortfolioConsistingOfBorrowersFromFloridaCaliforniaAndNewYork" xlink:label="hrb_PercentageOfMortgageLoanPortfolioConsistingOfBorrowersFromFloridaCaliforniaAndNewYork" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_PercentageOfMortgageLoanPortfolioConsistingOfBorrowersFromFloridaCaliforniaAndNewYork" xlink:to="hrb_PercentageOfMortgageLoanPortfolioConsistingOfBorrowersFromFloridaCaliforniaAndNewYork_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_PercentageOfMortgageLoanPortfolioConsistingOfBorrowersFromFloridaCaliforniaAndNewYork_lbl" xml:lang="en-US">Percentage Of Mortgage Loan Portfolio Consisting Of Borrowers From Florida, California And New York</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_PercentageOfMortgageLoanPortfolioConsistingOfBorrowersFromFloridaCaliforniaAndNewYork_lbl" xml:lang="en-US">Percentage Of Mortgage Loan Portfolio Consisting Of Borrowers From Florida, California And New York</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_PercentageOfMortgageLoanPortfolioConsistingOfBorrowersFromFloridaCaliforniaAndNewYork_lbl" xml:lang="en-US">Percentage of mortgage loan portfolio consisting of borrowers from Florida, California and New York</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_LoansAndReceivablesHeldForInvestmentTotal" xlink:label="hrb_LoansAndReceivablesHeldForInvestmentTotal" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_LoansAndReceivablesHeldForInvestmentTotal" xlink:to="hrb_LoansAndReceivablesHeldForInvestmentTotal_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_LoansAndReceivablesHeldForInvestmentTotal_lbl" xml:lang="en-US">Loans and Receivables Held for Investment Total</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_LoansAndReceivablesHeldForInvestmentTotal_lbl" xml:lang="en-US">Loans and Receivables Held for Investment Total</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_LoansAndReceivablesHeldForInvestmentTotal_lbl" xml:lang="en-US">Loans held for investment</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_InSubstanceForeclosures" xlink:label="hrb_InSubstanceForeclosures" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_InSubstanceForeclosures" xlink:to="hrb_InSubstanceForeclosures_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_InSubstanceForeclosures_lbl" xml:lang="en-US">In-substance foreclosures</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_InSubstanceForeclosures_lbl" xml:lang="en-US">In-substance foreclosures</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_LoansReceivableWithVariableRatesOfInterest" xlink:label="us-gaap_LoansReceivableWithVariableRatesOfInterest" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LoansReceivableWithVariableRatesOfInterest" xlink:to="us-gaap_LoansReceivableWithVariableRatesOfInterest_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LoansReceivableWithVariableRatesOfInterest_lbl" xml:lang="en-US">Adjustable-rate loans</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_LoansReceivableWithVariableRatesOfInterest_lbl" xml:lang="en-US">Adjustable-rate loans</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_LoansReceivableWithVariableRatesOfInterest_lbl" xml:lang="en-US">Adjustable-rate loans</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_AdjustableRateLoansToTotalLoans" xlink:label="hrb_AdjustableRateLoansToTotalLoans" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_AdjustableRateLoansToTotalLoans" xlink:to="hrb_AdjustableRateLoansToTotalLoans_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_AdjustableRateLoansToTotalLoans_lbl" xml:lang="en-US">Adjustable Rate Loans To Total Loans</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_AdjustableRateLoansToTotalLoans_lbl" xml:lang="en-US">Adjustable Rate Loans To Total Loans</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_AdjustableRateLoansToTotalLoans_lbl" xml:lang="en-US">Adjustable-rate loans, percent of total loans</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_LoansReceivableWithFixedRatesOfInterest" xlink:label="us-gaap_LoansReceivableWithFixedRatesOfInterest" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LoansReceivableWithFixedRatesOfInterest" xlink:to="us-gaap_LoansReceivableWithFixedRatesOfInterest_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LoansReceivableWithFixedRatesOfInterest_lbl" xml:lang="en-US">Fixed-rate loans</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_LoansReceivableWithFixedRatesOfInterest_lbl" xml:lang="en-US">Fixed-rate loans</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_LoansReceivableWithFixedRatesOfInterest_lbl" xml:lang="en-US">Fixed-rate loans</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_FixedRateLoansToTotalLoans" xlink:label="hrb_FixedRateLoansToTotalLoans" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_FixedRateLoansToTotalLoans" xlink:to="hrb_FixedRateLoansToTotalLoans_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_FixedRateLoansToTotalLoans_lbl" xml:lang="en-US">Fixed Rate Loans To Total Loans</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_FixedRateLoansToTotalLoans_lbl" xml:lang="en-US">Fixed Rate Loans To Total Loans</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_FixedRateLoansToTotalLoans_lbl" xml:lang="en-US">Fixed-rate loans, percent of total loans</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_LoansAndLeasesReceivableGrossCarryingAmount" xlink:label="us-gaap_LoansAndLeasesReceivableGrossCarryingAmount" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LoansAndLeasesReceivableGrossCarryingAmount" xlink:to="us-gaap_LoansAndLeasesReceivableGrossCarryingAmount_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LoansAndLeasesReceivableGrossCarryingAmount_lbl" xml:lang="en-US">Total loans</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/netLabel" xlink:label="us-gaap_LoansAndLeasesReceivableGrossCarryingAmount_lbl" xml:lang="en-US">Portfolio Balance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_LoansAndLeasesReceivableGrossCarryingAmount_lbl" xml:lang="en-US">Total Portfolio</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_LoansAndLeasesReceivableGrossCarryingAmount_lbl" xml:lang="en-US">Total loans</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_LoansAndLeasesReceivableGrossCarryingAmount_lbl" xml:lang="en-US">Outstanding Principal Balance</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_TotalLoansToTotalLoans" xlink:label="hrb_TotalLoansToTotalLoans" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_TotalLoansToTotalLoans" xlink:to="hrb_TotalLoansToTotalLoans_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_TotalLoansToTotalLoans_lbl" xml:lang="en-US">Total Loans To Total Loans</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_TotalLoansToTotalLoans_lbl" xml:lang="en-US">Total Loans To Total Loans</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_TotalLoansToTotalLoans_lbl" xml:lang="en-US">Total loans, percent of total loans</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="hrb_TotalLoansToTotalLoans_lbl" xml:lang="en-US">Total loans, percent of total loans</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_UnamortizedLoanCommitmentAndOriginationFeesAndUnamortizedDiscountsOrPremiums" xlink:label="us-gaap_UnamortizedLoanCommitmentAndOriginationFeesAndUnamortizedDiscountsOrPremiums" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_UnamortizedLoanCommitmentAndOriginationFeesAndUnamortizedDiscountsOrPremiums" xlink:to="us-gaap_UnamortizedLoanCommitmentAndOriginationFeesAndUnamortizedDiscountsOrPremiums_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_UnamortizedLoanCommitmentAndOriginationFeesAndUnamortizedDiscountsOrPremiums_lbl" xml:lang="en-US">Unamortized Loan Commitment and Origination Fees and Unamortized Discounts or Premiums</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_UnamortizedLoanCommitmentAndOriginationFeesAndUnamortizedDiscountsOrPremiums_lbl" xml:lang="en-US">Unamortized deferred fees and costs</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_UnamortizedLoanCommitmentAndOriginationFeesAndUnamortizedDiscountsOrPremiums_lbl" xml:lang="en-US">Unamortized deferred fees and costs</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_UnamortizedLoanCommitmentAndOriginationFeesAndUnamortizedDiscountsOrPremiums_lbl" xml:lang="en-US">Unamortized Loan Commitment and Origination Fees and Unamortized Discounts or Premiums, Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ProvisionForLoanAndLeaseLosses" xlink:label="us-gaap_ProvisionForLoanAndLeaseLosses" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProvisionForLoanAndLeaseLosses" xlink:to="us-gaap_ProvisionForLoanAndLeaseLosses_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ProvisionForLoanAndLeaseLosses_lbl" xml:lang="en-US">Provision</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_ProvisionForLoanAndLeaseLosses_lbl" xml:lang="en-US">Provision</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_ProvisionForLoanAndLeaseLosses_lbl" xml:lang="en-US">Provision for Loan and Lease Losses, Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_AllowanceForLoanAndLeaseLossesRecoveriesOfBadDebts" xlink:label="us-gaap_AllowanceForLoanAndLeaseLossesRecoveriesOfBadDebts" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AllowanceForLoanAndLeaseLossesRecoveriesOfBadDebts" xlink:to="us-gaap_AllowanceForLoanAndLeaseLossesRecoveriesOfBadDebts_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AllowanceForLoanAndLeaseLossesRecoveriesOfBadDebts_lbl" xml:lang="en-US">Recoveries</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_AllowanceForLoanAndLeaseLossesRecoveriesOfBadDebts_lbl" xml:lang="en-US">Recoveries</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_AllowanceForLoanAndLeaseLossesRecoveriesOfBadDebts_lbl" xml:lang="en-US">Recoveries</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs" xlink:label="us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs" xlink:to="us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs_lbl" xml:lang="en-US">Charge-offs</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs_lbl" xml:lang="en-US">Charge-offs</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsTable" xlink:label="hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsTable" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsTable" xlink:to="hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsTable_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsTable_lbl" xml:lang="en-US">Mortgage Loans Held For Investment And Related Assets [Table]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsTable_lbl" xml:lang="en-US">Mortgage Loans Held For Investment And Related Assets [Table]</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_PooledLessThan60DaysPastDueMember" xlink:label="hrb_PooledLessThan60DaysPastDueMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_PooledLessThan60DaysPastDueMember" xlink:to="hrb_PooledLessThan60DaysPastDueMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_PooledLessThan60DaysPastDueMember_lbl" xml:lang="en-US">Pooled (Less Than 60 Days Past Due)</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_PooledLessThan60DaysPastDueMember_lbl" xml:lang="en-US">Pooled Less Than60 Days Past Due [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_PooledLessThan60DaysPastDueMember_lbl" xml:lang="en-US">Pooled (Less Than 60 Days Past Due) [Member]</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_IndividuallyTdrMember" xlink:label="hrb_IndividuallyTdrMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_IndividuallyTdrMember" xlink:to="hrb_IndividuallyTdrMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_IndividuallyTdrMember_lbl" xml:lang="en-US">Individually TDR [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_IndividuallyTdrMember_lbl" xml:lang="en-US">Individually Tdr [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_IndividuallyTdrMember_lbl" xml:lang="en-US">Individually (TDRs) [Member]</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_Individually60DaysOrMorePastDueMember" xlink:label="hrb_Individually60DaysOrMorePastDueMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_Individually60DaysOrMorePastDueMember" xlink:to="hrb_Individually60DaysOrMorePastDueMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_Individually60DaysOrMorePastDueMember_lbl" xml:lang="en-US">Individually (60 Days or More Past Due)</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_Individually60DaysOrMorePastDueMember_lbl" xml:lang="en-US">Individually60 Days Or More Past Due [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_Individually60DaysOrMorePastDueMember_lbl" xml:lang="en-US">Individually (60 Days Or More Past Due) [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_AllowanceForLoanAndLeaseLossesRealEstate" xlink:label="us-gaap_AllowanceForLoanAndLeaseLossesRealEstate" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AllowanceForLoanAndLeaseLossesRealEstate" xlink:to="us-gaap_AllowanceForLoanAndLeaseLossesRealEstate_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AllowanceForLoanAndLeaseLossesRealEstate_lbl" xml:lang="en-US">Allowance for Loan and Lease Losses, Real Estate</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/netLabel" xlink:label="us-gaap_AllowanceForLoanAndLeaseLossesRealEstate_lbl" xml:lang="en-US">Amount</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_AllowanceForLoanAndLeaseLossesRealEstate_lbl" xml:lang="en-US">Related allowance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_AllowanceForLoanAndLeaseLossesRealEstate_lbl" xml:lang="en-US">Related Allowance</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_AccountsNotesLoansAndFinancingReceivablesByLegalEntityOfCounterpartyTypeAxis" xlink:label="us-gaap_AccountsNotesLoansAndFinancingReceivablesByLegalEntityOfCounterpartyTypeAxis" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AccountsNotesLoansAndFinancingReceivablesByLegalEntityOfCounterpartyTypeAxis" xlink:to="us-gaap_AccountsNotesLoansAndFinancingReceivablesByLegalEntityOfCounterpartyTypeAxis_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AccountsNotesLoansAndFinancingReceivablesByLegalEntityOfCounterpartyTypeAxis_lbl" xml:lang="en-US">Accounts, Notes, Loans and Financing Receivable by Legal Entity of Counterparty, Type [Axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_LegalEntityTypeOfCounterpartyDomain" xlink:label="us-gaap_LegalEntityTypeOfCounterpartyDomain" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LegalEntityTypeOfCounterpartyDomain" xlink:to="us-gaap_LegalEntityTypeOfCounterpartyDomain_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LegalEntityTypeOfCounterpartyDomain_lbl" xml:lang="en-US">Legal Entity Type Of Counterparty [Domain]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_LegalEntityTypeOfCounterpartyDomain_lbl" xml:lang="en-US">Legal Entity Type of Counterparty [Domain]</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_PurchasedFromSccMember" xlink:label="hrb_PurchasedFromSccMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_PurchasedFromSccMember" xlink:to="hrb_PurchasedFromSccMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_PurchasedFromSccMember_lbl" xml:lang="en-US">Purchased from SCC [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_PurchasedFromSccMember_lbl" xml:lang="en-US">Purchased From Scc [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_PurchasedFromSccMember_lbl" xml:lang="en-US">Purchased From SCC [Member]</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_AllOtherMember" xlink:label="hrb_AllOtherMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_AllOtherMember" xlink:to="hrb_AllOtherMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_AllOtherMember_lbl" xml:lang="en-US">All other [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_AllOtherMember_lbl" xml:lang="en-US">All Other [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_AllOtherMember_lbl" xml:lang="en-US">All Other [Member]</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_AllowanceAsPercentOfPrincipal" xlink:label="hrb_AllowanceAsPercentOfPrincipal" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_AllowanceAsPercentOfPrincipal" xlink:to="hrb_AllowanceAsPercentOfPrincipal_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_AllowanceAsPercentOfPrincipal_lbl" xml:lang="en-US">Allowance as percent of principal</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_AllowanceAsPercentOfPrincipal_lbl" xml:lang="en-US">Allowance as Percent of Principal</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_AllowanceAsPercentOfPrincipal_lbl" xml:lang="en-US">% of Principal</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_PercentOfLoansThirtyDaysPastDue" xlink:label="hrb_PercentOfLoansThirtyDaysPastDue" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_PercentOfLoansThirtyDaysPastDue" xlink:to="hrb_PercentOfLoansThirtyDaysPastDue_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_PercentOfLoansThirtyDaysPastDue_lbl" xml:lang="en-US">Percent of loans thirty days past due</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_PercentOfLoansThirtyDaysPastDue_lbl" xml:lang="en-US">Percent of Loans Thirty Days Past Due</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_PercentOfLoansThirtyDaysPastDue_lbl" xml:lang="en-US">% 30 + Days Past Due</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable" xlink:label="us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable" xlink:to="us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ScheduleOfFinancingReceivableRecordedInvestmentCreditQualityIndicatorTable_lbl" xml:lang="en-US">Schedule of Financing Receivable, Recorded Investment, Credit Quality Indicator [Table]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_FinancingReceivableInformationByCreditQualityIndicatorAxis" xlink:label="us-gaap_FinancingReceivableInformationByCreditQualityIndicatorAxis" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableInformationByCreditQualityIndicatorAxis" xlink:to="us-gaap_FinancingReceivableInformationByCreditQualityIndicatorAxis_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FinancingReceivableInformationByCreditQualityIndicatorAxis_lbl" xml:lang="en-US">Financing Receivable Information by Credit Quality Indicator [Axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_FinancingReceivableByCreditQualityIndicatorDomain" xlink:label="us-gaap_FinancingReceivableByCreditQualityIndicatorDomain" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableByCreditQualityIndicatorDomain" xlink:to="us-gaap_FinancingReceivableByCreditQualityIndicatorDomain_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FinancingReceivableByCreditQualityIndicatorDomain_lbl" xml:lang="en-US">Financing Receivable By Credit Quality Indicator [Domain]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FinancingReceivableByCreditQualityIndicatorDomain_lbl" xml:lang="en-US">Financing Receivable, by Credit Quality Indicator [Domain]</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_OccupancyStatusOwnerOccupiedMember" xlink:label="hrb_OccupancyStatusOwnerOccupiedMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_OccupancyStatusOwnerOccupiedMember" xlink:to="hrb_OccupancyStatusOwnerOccupiedMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_OccupancyStatusOwnerOccupiedMember_lbl" xml:lang="en-US">Occupancy Status, Owner Occupied</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_OccupancyStatusOwnerOccupiedMember_lbl" xml:lang="en-US">Occupancy Status Owner Occupied [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_OccupancyStatusOwnerOccupiedMember_lbl" xml:lang="en-US">Occupancy Status, Owner Occupied [Member]</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_OccupancyStatusNonOwnerOccupiedMember" xlink:label="hrb_OccupancyStatusNonOwnerOccupiedMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_OccupancyStatusNonOwnerOccupiedMember" xlink:to="hrb_OccupancyStatusNonOwnerOccupiedMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_OccupancyStatusNonOwnerOccupiedMember_lbl" xml:lang="en-US">Occupancy Status, Non-Owner Occupied [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_OccupancyStatusNonOwnerOccupiedMember_lbl" xml:lang="en-US">Occupancy Status Non Owner Occupied [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_OccupancyStatusNonOwnerOccupiedMember_lbl" xml:lang="en-US">Occupancy Status, Non-Owner Occupied [Member]</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_DocumentationLevelFullDocumentationMember" xlink:label="hrb_DocumentationLevelFullDocumentationMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_DocumentationLevelFullDocumentationMember" xlink:to="hrb_DocumentationLevelFullDocumentationMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_DocumentationLevelFullDocumentationMember_lbl" xml:lang="en-US">Documentation Level, Full Documentation</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_DocumentationLevelFullDocumentationMember_lbl" xml:lang="en-US">Documentation Level Full Documentation [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_DocumentationLevelFullDocumentationMember_lbl" xml:lang="en-US">Documentation Level, Full Documentation [Member]</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_DocumentationLevelLimitedDocumentationMember" xlink:label="hrb_DocumentationLevelLimitedDocumentationMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_DocumentationLevelLimitedDocumentationMember" xlink:to="hrb_DocumentationLevelLimitedDocumentationMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_DocumentationLevelLimitedDocumentationMember_lbl" xml:lang="en-US">Documentation Level, Limited Documentation</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_DocumentationLevelLimitedDocumentationMember_lbl" xml:lang="en-US">Documentation Level Limited Documentation [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_DocumentationLevelLimitedDocumentationMember_lbl" xml:lang="en-US">Documentation Level, Limited Documentation [Member]</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_DocumentationLevelStatedIncomeMember" xlink:label="hrb_DocumentationLevelStatedIncomeMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_DocumentationLevelStatedIncomeMember" xlink:to="hrb_DocumentationLevelStatedIncomeMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_DocumentationLevelStatedIncomeMember_lbl" xml:lang="en-US">Documentation Level, Stated Income</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_DocumentationLevelStatedIncomeMember_lbl" xml:lang="en-US">Documentation Level Stated Income [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_DocumentationLevelStatedIncomeMember_lbl" xml:lang="en-US">Documentation Level, Stated Income [Member]</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_DocumentationLevelNoDocumentationMember" xlink:label="hrb_DocumentationLevelNoDocumentationMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_DocumentationLevelNoDocumentationMember" xlink:to="hrb_DocumentationLevelNoDocumentationMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_DocumentationLevelNoDocumentationMember_lbl" xml:lang="en-US">Documentation Level, No Documentation</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_DocumentationLevelNoDocumentationMember_lbl" xml:lang="en-US">Documentation Level No Documentation [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_DocumentationLevelNoDocumentationMember_lbl" xml:lang="en-US">Documentation Level, No Documentation [Member]</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_InternalRiskRatingHighMember" xlink:label="hrb_InternalRiskRatingHighMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_InternalRiskRatingHighMember" xlink:to="hrb_InternalRiskRatingHighMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_InternalRiskRatingHighMember_lbl" xml:lang="en-US">Internal Risk Rating, High</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_InternalRiskRatingHighMember_lbl" xml:lang="en-US">Internal Risk Rating High [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_InternalRiskRatingHighMember_lbl" xml:lang="en-US">Internal Risk Rating, High [Member]</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_InternalRiskRatingMediumMember" xlink:label="hrb_InternalRiskRatingMediumMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_InternalRiskRatingMediumMember" xlink:to="hrb_InternalRiskRatingMediumMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_InternalRiskRatingMediumMember_lbl" xml:lang="en-US">Internal Risk Rating, Medium [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_InternalRiskRatingMediumMember_lbl" xml:lang="en-US">Internal Risk Rating Medium [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_InternalRiskRatingMediumMember_lbl" xml:lang="en-US">Internal Risk Rating, Medium [Member]</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_InternalRiskRatingLowMember" xlink:label="hrb_InternalRiskRatingLowMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_InternalRiskRatingLowMember" xlink:to="hrb_InternalRiskRatingLowMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_InternalRiskRatingLowMember_lbl" xml:lang="en-US">Internal Risk Rating, Low</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_InternalRiskRatingLowMember_lbl" xml:lang="en-US">Internal Risk Rating Low [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_InternalRiskRatingLowMember_lbl" xml:lang="en-US">Internal Risk Rating, Low [Member]</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_AccountsNotesLoansAndFinancingReceivablesByPastDueStatusAxis" xlink:label="hrb_AccountsNotesLoansAndFinancingReceivablesByPastDueStatusAxis" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_AccountsNotesLoansAndFinancingReceivablesByPastDueStatusAxis" xlink:to="hrb_AccountsNotesLoansAndFinancingReceivablesByPastDueStatusAxis_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_AccountsNotesLoansAndFinancingReceivablesByPastDueStatusAxis_lbl" xml:lang="en-US">Accounts, Notes, Loans and Financing Receivables by Past Due Status</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_AccountsNotesLoansAndFinancingReceivablesByPastDueStatusAxis_lbl" xml:lang="en-US">Accounts, Notes, Loans and Financing Receivables by Past Due Status [Axis]</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_AccountsNotesLoansAndFinancingReceivablesByPastDueStatusDomain" xlink:label="hrb_AccountsNotesLoansAndFinancingReceivablesByPastDueStatusDomain" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_AccountsNotesLoansAndFinancingReceivablesByPastDueStatusDomain" xlink:to="hrb_AccountsNotesLoansAndFinancingReceivablesByPastDueStatusDomain_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_AccountsNotesLoansAndFinancingReceivablesByPastDueStatusDomain_lbl" xml:lang="en-US">Accounts, Notes, Loans and Financing Receivables by Past Due Status</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_AccountsNotesLoansAndFinancingReceivablesByPastDueStatusDomain_lbl" xml:lang="en-US">Accounts Notes Loans And Financing Receivables By Past Due Status [Domain]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_AccountsNotesLoansAndFinancingReceivablesByPastDueStatusDomain_lbl" xml:lang="en-US">Accounts, Notes, Loans and Financing Receivables by Past Due Status [Domain]</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_LessThanSixtyDaysPastDueMember" xlink:label="hrb_LessThanSixtyDaysPastDueMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_LessThanSixtyDaysPastDueMember" xlink:to="hrb_LessThanSixtyDaysPastDueMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_LessThanSixtyDaysPastDueMember_lbl" xml:lang="en-US">Less Than Sixty Days Past Due [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_LessThanSixtyDaysPastDueMember_lbl" xml:lang="en-US">Less Than Sixty Days Past Due [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_LessThanSixtyDaysPastDueMember_lbl" xml:lang="en-US">Less Than 60 Days Past Due [Member]</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_SixtyToEightyNineDaysPastDueMember" xlink:label="hrb_SixtyToEightyNineDaysPastDueMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_SixtyToEightyNineDaysPastDueMember" xlink:to="hrb_SixtyToEightyNineDaysPastDueMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_SixtyToEightyNineDaysPastDueMember_lbl" xml:lang="en-US">Sixty To Eighty Nine Days Past Due [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_SixtyToEightyNineDaysPastDueMember_lbl" xml:lang="en-US">Sixty To Eighty Nine Days Past Due [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_SixtyToEightyNineDaysPastDueMember_lbl" xml:lang="en-US">60 - 89 Days Past Due [Member]</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_NinetyDaysPlusPastDueMember" xlink:label="hrb_NinetyDaysPlusPastDueMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_NinetyDaysPlusPastDueMember" xlink:to="hrb_NinetyDaysPlusPastDueMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_NinetyDaysPlusPastDueMember_lbl" xml:lang="en-US">Ninety Days Plus Past Due [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_NinetyDaysPlusPastDueMember_lbl" xml:lang="en-US">Ninety Days Plus Past Due [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_NinetyDaysPlusPastDueMember_lbl" xml:lang="en-US">90 + Days Past Due [Member]</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_TotalPastDueMember" xlink:label="hrb_TotalPastDueMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_TotalPastDueMember" xlink:to="hrb_TotalPastDueMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_TotalPastDueMember_lbl" xml:lang="en-US">Total Past Due [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_TotalPastDueMember_lbl" xml:lang="en-US">Total Past Due [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_TotalPastDueMember_lbl" xml:lang="en-US">Total Past Due [Member]</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_CurrentMember" xlink:label="hrb_CurrentMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_CurrentMember" xlink:to="hrb_CurrentMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_CurrentMember_lbl" xml:lang="en-US">Current [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_CurrentMember_lbl" xml:lang="en-US">Current [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_CurrentMember_lbl" xml:lang="en-US">Current [Member]</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_LoansReceivableRecordedInvestmentNonaccrualStatus" xlink:label="hrb_LoansReceivableRecordedInvestmentNonaccrualStatus" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_LoansReceivableRecordedInvestmentNonaccrualStatus" xlink:to="hrb_LoansReceivableRecordedInvestmentNonaccrualStatus_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_LoansReceivableRecordedInvestmentNonaccrualStatus_lbl" xml:lang="en-US">Loans receivable recorded investment nonaccrual status</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_LoansReceivableRecordedInvestmentNonaccrualStatus_lbl" xml:lang="en-US">Loans Receivable Recorded Investment Nonaccrual Status</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_LoansReceivableRecordedInvestmentNonaccrualStatus_lbl" xml:lang="en-US">Loans receivable recorded investment non-accrual status</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_FinancingReceivableModificationsRecordedInvestment" xlink:label="us-gaap_FinancingReceivableModificationsRecordedInvestment" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableModificationsRecordedInvestment" xlink:to="us-gaap_FinancingReceivableModificationsRecordedInvestment_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FinancingReceivableModificationsRecordedInvestment_lbl" xml:lang="en-US">Loans and Leases Receivable, Impaired, Troubled Debt Restructuring, Amount</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FinancingReceivableModificationsRecordedInvestment_lbl" xml:lang="en-US">TDR loans</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_FinancingReceivableModificationsRecordedInvestment_lbl" xml:lang="en-US">Financing receivable modifications to recorded investments</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus" xlink:label="us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus" xlink:to="us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus_lbl" xml:lang="en-US">Financing Receivable, Recorded Investment, Nonaccrual Status</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus_lbl" xml:lang="en-US">Total non-accrual loans</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus_lbl" xml:lang="en-US">Total non-accrual loans</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ScheduleOfImpairedFinancingReceivableTable" xlink:label="us-gaap_ScheduleOfImpairedFinancingReceivableTable" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfImpairedFinancingReceivableTable" xlink:to="us-gaap_ScheduleOfImpairedFinancingReceivableTable_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ScheduleOfImpairedFinancingReceivableTable_lbl" xml:lang="en-US">Schedule of Impaired Financing Receivable [Table]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceAxis" xlink:label="us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceAxis" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceAxis" xlink:to="us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceAxis_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceAxis_lbl" xml:lang="en-US">Impaired Financing Receivable with Related Allowance [Axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceMember" xlink:label="us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceMember" xlink:to="us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceMember_lbl" xml:lang="en-US">Impaired Financing Receivable With Related Allowance [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ImpairedFinancingReceivableWithRelatedAllowanceMember_lbl" xml:lang="en-US">Impaired Financing Receivable with Related Allowance [Domain]</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_PortfolioBalanceWithAllowanceMember" xlink:label="hrb_PortfolioBalanceWithAllowanceMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_PortfolioBalanceWithAllowanceMember" xlink:to="hrb_PortfolioBalanceWithAllowanceMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_PortfolioBalanceWithAllowanceMember_lbl" xml:lang="en-US">Portfolio Balance With Allowance [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_PortfolioBalanceWithAllowanceMember_lbl" xml:lang="en-US">Portfolio Balance With Allowance [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_PortfolioBalanceWithAllowanceMember_lbl" xml:lang="en-US">Portfolio Balance With Allowance [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceAxis" xlink:label="us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceAxis" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceAxis" xlink:to="us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceAxis_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceAxis_lbl" xml:lang="en-US">Impaired Financing Receivable with No Related Allowance [Axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceMember" xlink:label="us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceMember" xlink:to="us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceMember_lbl" xml:lang="en-US">Impaired Financing Receivable With No Related Allowance [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ImpairedFinancingReceivableWithNoRelatedAllowanceMember_lbl" xml:lang="en-US">Impaired Financing Receivable with No Related Allowance [Domain]</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_PortfolioBalanceWithoutAllowanceMember" xlink:label="hrb_PortfolioBalanceWithoutAllowanceMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_PortfolioBalanceWithoutAllowanceMember" xlink:to="hrb_PortfolioBalanceWithoutAllowanceMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_PortfolioBalanceWithoutAllowanceMember_lbl" xml:lang="en-US">Portfolio Balance Without Allowance [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_PortfolioBalanceWithoutAllowanceMember_lbl" xml:lang="en-US">Portfolio Balance Without Allowance [Member]</label>
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    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance" xlink:to="us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance_lbl" />
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    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ImpairedFinancingReceivableRelatedAllowance" xlink:label="us-gaap_ImpairedFinancingReceivableRelatedAllowance" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ImpairedFinancingReceivableRelatedAllowance" xlink:to="us-gaap_ImpairedFinancingReceivableRelatedAllowance_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ImpairedFinancingReceivableRelatedAllowance_lbl" xml:lang="en-US">Impaired Financing Receivable, Related Allowance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ImpairedFinancingReceivableRelatedAllowance_lbl" xml:lang="en-US">Related Allowance</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_AllocatedImpairedLoansBasedOnCollateralValueMethod" xlink:label="hrb_AllocatedImpairedLoansBasedOnCollateralValueMethod" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_AllocatedImpairedLoansBasedOnCollateralValueMethod" xlink:to="hrb_AllocatedImpairedLoansBasedOnCollateralValueMethod_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_AllocatedImpairedLoansBasedOnCollateralValueMethod_lbl" xml:lang="en-US">Allocated impaired loans based on collateral value method</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_AllocatedImpairedLoansBasedOnCollateralValueMethod_lbl" xml:lang="en-US">Allocated impaired loans based on collateral value method</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_AllocatedImpairedLoansBasedOnCollateralValueMethod_lbl" xml:lang="en-US">Based on collateral value method</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_AllocatedImpairedLoansBasedOnDiscountCashFlowMethod" xlink:label="hrb_AllocatedImpairedLoansBasedOnDiscountCashFlowMethod" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_AllocatedImpairedLoansBasedOnDiscountCashFlowMethod" xlink:to="hrb_AllocatedImpairedLoansBasedOnDiscountCashFlowMethod_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_AllocatedImpairedLoansBasedOnDiscountCashFlowMethod_lbl" xml:lang="en-US">Allocated impaired loans based on discount cash flow method</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_AllocatedImpairedLoansBasedOnDiscountCashFlowMethod_lbl" xml:lang="en-US">Allocated impaired loans based on discount cash flow method</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_AllocatedImpairedLoansBasedOnDiscountCashFlowMethod_lbl" xml:lang="en-US">Based on discounted cash flow method</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_AllowanceForLoansLossesAllocatedToImpairedLoansTotal" xlink:label="hrb_AllowanceForLoansLossesAllocatedToImpairedLoansTotal" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_AllowanceForLoansLossesAllocatedToImpairedLoansTotal" xlink:to="hrb_AllowanceForLoansLossesAllocatedToImpairedLoansTotal_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_AllowanceForLoansLossesAllocatedToImpairedLoansTotal_lbl" xml:lang="en-US">Allowance for loans losses allocated to impaired loans total</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_AllowanceForLoansLossesAllocatedToImpairedLoansTotal_lbl" xml:lang="en-US">Allowance for loans losses allocated to impaired loans total</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_AllowanceForLoansLossesAllocatedToImpairedLoansTotal_lbl" xml:lang="en-US">Total allowance for loans</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="hrb_AllowanceForLoansLossesAllocatedToImpairedLoansTotal_lbl" xml:lang="en-US">Total allowance for loans</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment" xlink:label="us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment" xlink:to="us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment_lbl" xml:lang="en-US">Mortgage Loans and Receivables Average Impaired Loans</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment_lbl" xml:lang="en-US">Average impaired loans</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod" xlink:label="us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod" xlink:to="us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod_lbl" xml:lang="en-US">Loans and Leases Receivable, Impaired, Interest Income Recognized, Change in Present Value Attributable to Passage of Time</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod_lbl" xml:lang="en-US">Interest income on impaired loans</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod" xlink:label="us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod" xlink:to="us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod_lbl" xml:lang="en-US">Interest Income On Impaired Loans Recognized On A Cash Basis On Non-Accrual Status</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod_lbl" xml:lang="en-US">Interest income on impaired loans recognized on a cash basis on non-accrual status</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_MortgageLoansOnRealEstate" xlink:label="us-gaap_MortgageLoansOnRealEstate" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_MortgageLoansOnRealEstate" xlink:to="us-gaap_MortgageLoansOnRealEstate_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_MortgageLoansOnRealEstate_lbl" xml:lang="en-US">Real estate owned</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="us-gaap_MortgageLoansOnRealEstate_lbl" xml:lang="en-US">Balance, end of the period</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="us-gaap_MortgageLoansOnRealEstate_lbl" xml:lang="en-US">Balance, beginning of the period</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_MortgageLoansOnRealEstateOtherAdditions" xlink:label="us-gaap_MortgageLoansOnRealEstateOtherAdditions" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_MortgageLoansOnRealEstateOtherAdditions" xlink:to="us-gaap_MortgageLoansOnRealEstateOtherAdditions_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_MortgageLoansOnRealEstateOtherAdditions_lbl" xml:lang="en-US">Additions</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_MortgageLoansOnRealEstateCostOfMortgagesSold" xlink:label="us-gaap_MortgageLoansOnRealEstateCostOfMortgagesSold" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_MortgageLoansOnRealEstateCostOfMortgagesSold" xlink:to="us-gaap_MortgageLoansOnRealEstateCostOfMortgagesSold_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_MortgageLoansOnRealEstateCostOfMortgagesSold_lbl" xml:lang="en-US">Sales</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_MortgageLoansOnRealEstateCostOfMortgagesSold_lbl" xml:lang="en-US">Sales</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_MortgageLoansOnRealEstateWriteDownOrReserveAmount" xlink:label="us-gaap_MortgageLoansOnRealEstateWriteDownOrReserveAmount" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_MortgageLoansOnRealEstateWriteDownOrReserveAmount" xlink:to="us-gaap_MortgageLoansOnRealEstateWriteDownOrReserveAmount_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_MortgageLoansOnRealEstateWriteDownOrReserveAmount_lbl" xml:lang="en-US">Mortgage Loans on Real Estate, Write-down or Reserve, Amount</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_MortgageLoansOnRealEstateWriteDownOrReserveAmount_lbl" xml:lang="en-US">Writedowns</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_MortgageLoansOnRealEstateWriteDownOrReserveAmount_lbl" xml:lang="en-US">Writedowns</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_AvailableforsaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses1" xlink:label="us-gaap_AvailableforsaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses1" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AvailableforsaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses1" xlink:to="us-gaap_AvailableforsaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses1_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AvailableforsaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses1_lbl" xml:lang="en-US">Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Losses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_AvailableforsaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses1_lbl" xml:lang="en-US">Investments in available-for-sale securities, continuous loss position, gross unrealized losses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_AvailableforsaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses1_lbl" xml:lang="en-US">Available-for-sale Securities, Continuous Unrealized Loss Position, Aggregate Losses, Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsAvailableforsaleSecurities" xlink:label="us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsAvailableforsaleSecurities" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsAvailableforsaleSecurities" xlink:to="us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsAvailableforsaleSecurities_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsAvailableforsaleSecurities_lbl" xml:lang="en-US">Other than Temporary Impairment Losses, Investments, Available-for-sale Securities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsAvailableforsaleSecurities_lbl" xml:lang="en-US">Other-than-temporary impairments of AFS securities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsAvailableforsaleSecurities_lbl" xml:lang="en-US">Other than Temporary Impairment Losses, Investments, Available-for-sale Securities, Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesTable" xlink:label="us-gaap_ScheduleOfAvailableForSaleSecuritiesTable" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfAvailableForSaleSecuritiesTable" xlink:to="us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ScheduleOfAvailableForSaleSecuritiesTable_lbl" xml:lang="en-US">Schedule of Available-for-sale Securities [Table]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ScheduleOfFairValueOfSeparateAccountsByMajorCategoryOfInvestmentAxis" xlink:label="us-gaap_ScheduleOfFairValueOfSeparateAccountsByMajorCategoryOfInvestmentAxis" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfFairValueOfSeparateAccountsByMajorCategoryOfInvestmentAxis" xlink:to="us-gaap_ScheduleOfFairValueOfSeparateAccountsByMajorCategoryOfInvestmentAxis_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ScheduleOfFairValueOfSeparateAccountsByMajorCategoryOfInvestmentAxis_lbl" xml:lang="en-US">Schedule of Fair Value of Separate Accounts by Major Category of Investment [Axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ScheduleOfFairValueOfSeparateAccountsByMajorCategoryOfInvestmentCategoryDomain" xlink:label="us-gaap_ScheduleOfFairValueOfSeparateAccountsByMajorCategoryOfInvestmentCategoryDomain" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfFairValueOfSeparateAccountsByMajorCategoryOfInvestmentCategoryDomain" xlink:to="us-gaap_ScheduleOfFairValueOfSeparateAccountsByMajorCategoryOfInvestmentCategoryDomain_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ScheduleOfFairValueOfSeparateAccountsByMajorCategoryOfInvestmentCategoryDomain_lbl" xml:lang="en-US">Schedule Of Fair Value Of Separate Accounts By Major Category Of Investment Category [Domain]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ScheduleOfFairValueOfSeparateAccountsByMajorCategoryOfInvestmentCategoryDomain_lbl" xml:lang="en-US">Schedule of Fair Value of Separate Accounts by Major Category of Investment, Category [Domain]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ShortTermInvestmentsMember" xlink:label="us-gaap_ShortTermInvestmentsMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ShortTermInvestmentsMember" xlink:to="us-gaap_ShortTermInvestmentsMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ShortTermInvestmentsMember_lbl" xml:lang="en-US">Short Term Investments [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ShortTermInvestmentsMember_lbl" xml:lang="en-US">Short-Term [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_OtherLongTermInvestmentsMember" xlink:label="us-gaap_OtherLongTermInvestmentsMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherLongTermInvestmentsMember" xlink:to="us-gaap_OtherLongTermInvestmentsMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OtherLongTermInvestmentsMember_lbl" xml:lang="en-US">Other Long Term Investments [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_OtherLongTermInvestmentsMember_lbl" xml:lang="en-US">Long-Term [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems" xlink:label="us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems" xlink:to="us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems_lbl" xml:lang="en-US">Schedule of Available-for-sale Securities [Line Items]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_AvailableForSaleSecuritiesAmortizedCost" xlink:label="us-gaap_AvailableForSaleSecuritiesAmortizedCost" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AvailableForSaleSecuritiesAmortizedCost" xlink:to="us-gaap_AvailableForSaleSecuritiesAmortizedCost_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AvailableForSaleSecuritiesAmortizedCost_lbl" xml:lang="en-US">Available-for-sale Securities, Amortized Cost Basis</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_AvailableForSaleSecuritiesAmortizedCost_lbl" xml:lang="en-US">Amortized cost</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_AvailableForSaleSecuritiesAmortizedCost_lbl" xml:lang="en-US">Available-for-sale Securities, Amortized Cost Basis, Total</label>
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    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FairValueInputsLevel2Member_lbl" xml:lang="en-US">Fair Value Inputs Level2 [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FairValueInputsLevel2Member_lbl" xml:lang="en-US">Level 2 [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_FairValueInputsLevel3Member" xlink:label="us-gaap_FairValueInputsLevel3Member" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueInputsLevel3Member" xlink:to="us-gaap_FairValueInputsLevel3Member_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FairValueInputsLevel3Member_lbl" xml:lang="en-US">Fair Value Inputs Level3 [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FairValueInputsLevel3Member_lbl" xml:lang="en-US">Level 3 [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xlink:label="us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems" xlink:to="us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems_lbl" xml:lang="en-US">Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_InvestmentsFairValueDisclosure" xlink:label="us-gaap_InvestmentsFairValueDisclosure" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InvestmentsFairValueDisclosure" xlink:to="us-gaap_InvestmentsFairValueDisclosure_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InvestmentsFairValueDisclosure_lbl" xml:lang="en-US">Fair Value, Measured on Recurring Basis, Investments</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_InvestmentsFairValueDisclosure_lbl" xml:lang="en-US">Investments</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_RealEstateOwnedLoansFairValueDisclosure" xlink:label="hrb_RealEstateOwnedLoansFairValueDisclosure" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_RealEstateOwnedLoansFairValueDisclosure" xlink:to="hrb_RealEstateOwnedLoansFairValueDisclosure_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_RealEstateOwnedLoansFairValueDisclosure_lbl" xml:lang="en-US">Real estate owned loans, fair value disclosure</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_RealEstateOwnedLoansFairValueDisclosure_lbl" xml:lang="en-US">Real Estate Owned Loans, Fair Value Disclosure</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_RealEstateOwnedLoansFairValueDisclosure_lbl" xml:lang="en-US">REO</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_MortgageLoansFairValueDisclosure" xlink:label="hrb_MortgageLoansFairValueDisclosure" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_MortgageLoansFairValueDisclosure" xlink:to="hrb_MortgageLoansFairValueDisclosure_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_MortgageLoansFairValueDisclosure_lbl" xml:lang="en-US">Mortgage loans, fair value disclosure</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_MortgageLoansFairValueDisclosure_lbl" xml:lang="en-US">Mortgage Loans, Fair Value Disclosure</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_MortgageLoansFairValueDisclosure_lbl" xml:lang="en-US">Impaired mortgage loans held for investment</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_FinancialInstrumentsOwnedAtFairValue" xlink:label="us-gaap_FinancialInstrumentsOwnedAtFairValue" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FinancialInstrumentsOwnedAtFairValue" xlink:to="us-gaap_FinancialInstrumentsOwnedAtFairValue_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FinancialInstrumentsOwnedAtFairValue_lbl" xml:lang="en-US">Total financial assets at fair value</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedTotalLabel" xlink:label="us-gaap_FinancialInstrumentsOwnedAtFairValue_lbl" xml:lang="en-US">Total financial assets at fair value</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FinancialInstrumentsOwnedAtFairValue_lbl" xml:lang="en-US">Total financial assets at fair value</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_FinancialInstrumentsOwnedAtFairValue_lbl" xml:lang="en-US">Total financial assets at fair value</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_GainLossOnInvestments" xlink:label="us-gaap_GainLossOnInvestments" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_GainLossOnInvestments" xlink:to="us-gaap_GainLossOnInvestments_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_GainLossOnInvestments_lbl" xml:lang="en-US">Gain (Loss) on Investments</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_GainLossOnInvestments_lbl" xml:lang="en-US">Gain (loss) on investments</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_GainLossOnInvestments_lbl" xml:lang="en-US">Gain (Loss) on Investments, Total</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_GainOrLossOnRealEstateOwned" xlink:label="hrb_GainOrLossOnRealEstateOwned" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_GainOrLossOnRealEstateOwned" xlink:to="hrb_GainOrLossOnRealEstateOwned_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_GainOrLossOnRealEstateOwned_lbl" xml:lang="en-US">Gain or loss on real estate owned</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_GainOrLossOnRealEstateOwned_lbl" xml:lang="en-US">Gain Or Loss On Real Estate Owned</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedTerseLabel" xlink:label="hrb_GainOrLossOnRealEstateOwned_lbl" xml:lang="en-US">GainOrLossOnRealEstateOwned</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_GainOrLossOnRealEstateOwned_lbl" xml:lang="en-US">Gain (loss) on real estate owned</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="hrb_GainOrLossOnRealEstateOwned_lbl" xml:lang="en-US">Gain (loss), REO</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_GainOrLossOnImpairedMortgageLoansHeldForInvestment" xlink:label="hrb_GainOrLossOnImpairedMortgageLoansHeldForInvestment" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_GainOrLossOnImpairedMortgageLoansHeldForInvestment" xlink:to="hrb_GainOrLossOnImpairedMortgageLoansHeldForInvestment_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_GainOrLossOnImpairedMortgageLoansHeldForInvestment_lbl" xml:lang="en-US">Gain or loss on impaired mortgage loans held for investment</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_GainOrLossOnImpairedMortgageLoansHeldForInvestment_lbl" xml:lang="en-US">Gain Or Loss On Impaired Mortgage Loans Held For Investment</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_GainOrLossOnImpairedMortgageLoansHeldForInvestment_lbl" xml:lang="en-US">Gain (loss), Impaired mortgage loans held for investment</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_GainOrLossOnFinancialInstruments" xlink:label="hrb_GainOrLossOnFinancialInstruments" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_GainOrLossOnFinancialInstruments" xlink:to="hrb_GainOrLossOnFinancialInstruments_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_GainOrLossOnFinancialInstruments_lbl" xml:lang="en-US">Gain or loss on financial instruments</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_GainOrLossOnFinancialInstruments_lbl" xml:lang="en-US">Gain Or Loss On Financial Instruments</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="hrb_GainOrLossOnFinancialInstruments_lbl" xml:lang="en-US">Total, Gain (loss) on financial instruments</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_FinancialInstrumentsAsPercentageOfTotalAssets" xlink:label="hrb_FinancialInstrumentsAsPercentageOfTotalAssets" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_FinancialInstrumentsAsPercentageOfTotalAssets" xlink:to="hrb_FinancialInstrumentsAsPercentageOfTotalAssets_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_FinancialInstrumentsAsPercentageOfTotalAssets_lbl" xml:lang="en-US">Financial instruments as percentage of total assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_FinancialInstrumentsAsPercentageOfTotalAssets_lbl" xml:lang="en-US">Financial Instruments As Percentage Of Total Assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_FinancialInstrumentsAsPercentageOfTotalAssets_lbl" xml:lang="en-US">As a percentage of total assets</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_Deposits" xlink:label="us-gaap_Deposits" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_Deposits" xlink:to="us-gaap_Deposits_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_Deposits_lbl" xml:lang="en-US">Deposits, Current and Noncurrent</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_Deposits_lbl" xml:lang="en-US">Customer banking deposits</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_Deposits_lbl" xml:lang="en-US">Deposits, Total</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_Deposits_lbl" xml:lang="en-US">Deposits, Carrying Amount</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_LongTermDebt" xlink:label="us-gaap_LongTermDebt" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LongTermDebt" xlink:to="us-gaap_LongTermDebt_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LongTermDebt_lbl" xml:lang="en-US">Total long-term borrowings</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_LongTermDebt_lbl" xml:lang="en-US">Long-term borrowings, Carrying Amount</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_LongTermDebt_lbl" xml:lang="en-US">total long term debt</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_LongTermDebt_lbl" xml:lang="en-US">Total long-term debt</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_MortgageLoansHeldForInvestmentFairValue" xlink:label="hrb_MortgageLoansHeldForInvestmentFairValue" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_MortgageLoansHeldForInvestmentFairValue" xlink:to="hrb_MortgageLoansHeldForInvestmentFairValue_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_MortgageLoansHeldForInvestmentFairValue_lbl" xml:lang="en-US">Mortgage loans held for investment fair value</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_MortgageLoansHeldForInvestmentFairValue_lbl" xml:lang="en-US">Mortgage Loans Held For Investment Fair Value</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_MortgageLoansHeldForInvestmentFairValue_lbl" xml:lang="en-US">Mortgage loans held for investment, Estimated Fair Value</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_DepositsEstimatedFairValue" xlink:label="hrb_DepositsEstimatedFairValue" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_DepositsEstimatedFairValue" xlink:to="hrb_DepositsEstimatedFairValue_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_DepositsEstimatedFairValue_lbl" xml:lang="en-US">Deposits, estimated fair value</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_DepositsEstimatedFairValue_lbl" xml:lang="en-US">Deposits, Estimated Fair Value</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_DepositsEstimatedFairValue_lbl" xml:lang="en-US">Deposits, Estimated Fair Value</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_LongTermDebtFairValue" xlink:label="us-gaap_LongTermDebtFairValue" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LongTermDebtFairValue" xlink:to="us-gaap_LongTermDebtFairValue_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LongTermDebtFairValue_lbl" xml:lang="en-US">Long-term Debt, Fair Value</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_LongTermDebtFairValue_lbl" xml:lang="en-US">Long-term borrowings, Estimated Fair Value</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_GoodwillAndIntangibleAssetsDisclosureTable" xlink:label="hrb_GoodwillAndIntangibleAssetsDisclosureTable" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_GoodwillAndIntangibleAssetsDisclosureTable" xlink:to="hrb_GoodwillAndIntangibleAssetsDisclosureTable_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_GoodwillAndIntangibleAssetsDisclosureTable_lbl" xml:lang="en-US">Goodwill and Intangible Assets Disclosure</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_GoodwillAndIntangibleAssetsDisclosureTable_lbl" xml:lang="en-US">Goodwill And Intangible Assets Disclosure [Table]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis" xlink:label="us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis" xlink:to="us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FiniteLivedIntangibleAssetsByMajorClassAxis_lbl" xml:lang="en-US">Finite-Lived Intangible Assets by Major Class [Axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain" xlink:label="us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain" xlink:to="us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_lbl" xml:lang="en-US">Finite Lived Intangible Assets Major Class Name [Domain]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FiniteLivedIntangibleAssetsMajorClassNameDomain_lbl" xml:lang="en-US">Finite-Lived Intangible Assets, Major Class Name [Domain]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_CustomerRelationshipsMember" xlink:label="us-gaap_CustomerRelationshipsMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CustomerRelationshipsMember" xlink:to="us-gaap_CustomerRelationshipsMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CustomerRelationshipsMember_lbl" xml:lang="en-US">Customer Relationships [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_CustomerRelationshipsMember_lbl" xml:lang="en-US">Customer Relationships [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ProductOrServiceAxis" xlink:label="us-gaap_ProductOrServiceAxis" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProductOrServiceAxis" xlink:to="us-gaap_ProductOrServiceAxis_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ProductOrServiceAxis_lbl" xml:lang="en-US">Products and Services [Axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ProductsAndServicesDomain" xlink:label="us-gaap_ProductsAndServicesDomain" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProductsAndServicesDomain" xlink:to="us-gaap_ProductsAndServicesDomain_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ProductsAndServicesDomain_lbl" xml:lang="en-US">Products And Services [Domain]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ProductsAndServicesDomain_lbl" xml:lang="en-US">Product and Service, Name [Domain]</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_TaxServicesMember" xlink:label="hrb_TaxServicesMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_TaxServicesMember" xlink:to="hrb_TaxServicesMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_TaxServicesMember_lbl" xml:lang="en-US">Tax Services [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_TaxServicesMember_lbl" xml:lang="en-US">Tax Services [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_TaxServicesMember_lbl" xml:lang="en-US">Tax Services [Member]</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_ExpresstaxBrandMember" xlink:label="hrb_ExpresstaxBrandMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_ExpresstaxBrandMember" xlink:to="hrb_ExpresstaxBrandMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_ExpresstaxBrandMember_lbl" xml:lang="en-US">ExpressTax Brand [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_ExpresstaxBrandMember_lbl" xml:lang="en-US">Expresstax Brand [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_ExpresstaxBrandMember_lbl" xml:lang="en-US">ExpressTax Brand [Member]</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_GoodwillAndIntangibleAssetsLineItems" xlink:label="hrb_GoodwillAndIntangibleAssetsLineItems" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_GoodwillAndIntangibleAssetsLineItems" xlink:to="hrb_GoodwillAndIntangibleAssetsLineItems_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_GoodwillAndIntangibleAssetsLineItems_lbl" xml:lang="en-US">Goodwill and Intangible Assets Disclosure [Line Items]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_GoodwillAndIntangibleAssetsLineItems_lbl" xml:lang="en-US">Goodwill and Intangible Assets [Line Items]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_AmortizationOfIntangibleAssets" xlink:label="us-gaap_AmortizationOfIntangibleAssets" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AmortizationOfIntangibleAssets" xlink:to="us-gaap_AmortizationOfIntangibleAssets_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AmortizationOfIntangibleAssets_lbl" xml:lang="en-US">Amortization of intangible assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_AmortizationOfIntangibleAssets_lbl" xml:lang="en-US">Amortization of Intangible Assets, Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ImpairmentOfIntangibleAssetsExcludingGoodwill" xlink:label="us-gaap_ImpairmentOfIntangibleAssetsExcludingGoodwill" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ImpairmentOfIntangibleAssetsExcludingGoodwill" xlink:to="us-gaap_ImpairmentOfIntangibleAssetsExcludingGoodwill_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ImpairmentOfIntangibleAssetsExcludingGoodwill_lbl" xml:lang="en-US">Impairment of Intangible Assets (Excluding Goodwill)</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_ImpairmentOfIntangibleAssetsExcludingGoodwill_lbl" xml:lang="en-US">Impairment of Intangible Assets (Excluding Goodwill), Total</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_ImpairmentOfIntangibleAssetsExcludingGoodwill_lbl" xml:lang="en-US">Impairment of intangible assets</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_FutureAmortizationExpenseRemainderOfFiscalYear" xlink:label="us-gaap_FutureAmortizationExpenseRemainderOfFiscalYear" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FutureAmortizationExpenseRemainderOfFiscalYear" xlink:to="us-gaap_FutureAmortizationExpenseRemainderOfFiscalYear_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FutureAmortizationExpenseRemainderOfFiscalYear_lbl" xml:lang="en-US">Future Amortization Expense, Remainder of Fiscal Year</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FutureAmortizationExpenseRemainderOfFiscalYear_lbl" xml:lang="en-US">Estimated amortization, 2012</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_FutureAmortizationExpenseYearOne" xlink:label="us-gaap_FutureAmortizationExpenseYearOne" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FutureAmortizationExpenseYearOne" xlink:to="us-gaap_FutureAmortizationExpenseYearOne_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FutureAmortizationExpenseYearOne_lbl" xml:lang="en-US">Estimated amortization, 2013</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_FutureAmortizationExpenseYearTwo" xlink:label="us-gaap_FutureAmortizationExpenseYearTwo" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FutureAmortizationExpenseYearTwo" xlink:to="us-gaap_FutureAmortizationExpenseYearTwo_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FutureAmortizationExpenseYearTwo_lbl" xml:lang="en-US">Future Amortization Expense, Year Two</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FutureAmortizationExpenseYearTwo_lbl" xml:lang="en-US">Estimated amortization, 2014</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_FutureAmortizationExpenseYearThree" xlink:label="us-gaap_FutureAmortizationExpenseYearThree" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FutureAmortizationExpenseYearThree" xlink:to="us-gaap_FutureAmortizationExpenseYearThree_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FutureAmortizationExpenseYearThree_lbl" xml:lang="en-US">Future Amortization Expense, Year Three</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FutureAmortizationExpenseYearThree_lbl" xml:lang="en-US">Estimated amortization, 2015</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_FutureAmortizationExpenseYearFour" xlink:label="us-gaap_FutureAmortizationExpenseYearFour" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FutureAmortizationExpenseYearFour" xlink:to="us-gaap_FutureAmortizationExpenseYearFour_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FutureAmortizationExpenseYearFour_lbl" xml:lang="en-US">Future Amortization Expense, Year Four</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FutureAmortizationExpenseYearFour_lbl" xml:lang="en-US">Estimated amortization, 2016</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_GoodwillAndIntangibleAssetsTable" xlink:label="hrb_GoodwillAndIntangibleAssetsTable" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_GoodwillAndIntangibleAssetsTable" xlink:to="hrb_GoodwillAndIntangibleAssetsTable_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_GoodwillAndIntangibleAssetsTable_lbl" xml:lang="en-US">Goodwill and Intangible Assets [Table]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_GoodwillAndIntangibleAssetsTable_lbl" xml:lang="en-US">Goodwill and Intangible Assets [Table]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_GoodwillGross" xlink:label="us-gaap_GoodwillGross" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_GoodwillGross" xlink:to="us-gaap_GoodwillGross_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_GoodwillGross_lbl" xml:lang="en-US">Goodwill before impairment losses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="us-gaap_GoodwillGross_lbl" xml:lang="en-US">Goodwill before impairment losses, ending balance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="us-gaap_GoodwillGross_lbl" xml:lang="en-US">Goodwill before impairment losses, beginning balance</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_GoodwillImpairedAccumulatedImpairmentLoss" xlink:label="us-gaap_GoodwillImpairedAccumulatedImpairmentLoss" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_GoodwillImpairedAccumulatedImpairmentLoss" xlink:to="us-gaap_GoodwillImpairedAccumulatedImpairmentLoss_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_GoodwillImpairedAccumulatedImpairmentLoss_lbl" xml:lang="en-US">Accumulated impairment losses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_GoodwillImpairedAccumulatedImpairmentLoss_lbl" xml:lang="en-US">Accumulated impairment losses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedPeriodEndLabel" xlink:label="us-gaap_GoodwillImpairedAccumulatedImpairmentLoss_lbl" xml:lang="en-US">Accumulated impairment losses, ending balance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedPeriodStartLabel" xlink:label="us-gaap_GoodwillImpairedAccumulatedImpairmentLoss_lbl" xml:lang="en-US">Accumulated impairment losses, beginning balance</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_GoodwillAcquiredDuringPeriod" xlink:label="us-gaap_GoodwillAcquiredDuringPeriod" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_GoodwillAcquiredDuringPeriod" xlink:to="us-gaap_GoodwillAcquiredDuringPeriod_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_GoodwillAcquiredDuringPeriod_lbl" xml:lang="en-US">Acquisitions</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_GoodwillDisposalsAndOther" xlink:label="hrb_GoodwillDisposalsAndOther" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_GoodwillDisposalsAndOther" xlink:to="hrb_GoodwillDisposalsAndOther_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_GoodwillDisposalsAndOther_lbl" xml:lang="en-US">Goodwill disposals and other</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_GoodwillDisposalsAndOther_lbl" xml:lang="en-US">Goodwill Disposals and Other</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="hrb_GoodwillDisposalsAndOther_lbl" xml:lang="en-US">Disposals and foreign currency changes</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_GoodwillDisposalsAndOther_lbl" xml:lang="en-US">Disposals and other</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_NoncompeteAgreementsMember" xlink:label="us-gaap_NoncompeteAgreementsMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_NoncompeteAgreementsMember" xlink:to="us-gaap_NoncompeteAgreementsMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_NoncompeteAgreementsMember_lbl" xml:lang="en-US">Noncompete Agreements [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_NoncompeteAgreementsMember_lbl" xml:lang="en-US">Noncompete Agreements [Member]</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_ReacquiredFranchiseRightsMember" xlink:label="hrb_ReacquiredFranchiseRightsMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_ReacquiredFranchiseRightsMember" xlink:to="hrb_ReacquiredFranchiseRightsMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_ReacquiredFranchiseRightsMember_lbl" xml:lang="en-US">Reacquired Franchise Rights [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_ReacquiredFranchiseRightsMember_lbl" xml:lang="en-US">Reacquired Franchise Rights [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_ReacquiredFranchiseRightsMember_lbl" xml:lang="en-US">Reacquired Franchise Rights [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_FranchiseRightsMember" xlink:label="us-gaap_FranchiseRightsMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FranchiseRightsMember" xlink:to="us-gaap_FranchiseRightsMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FranchiseRightsMember_lbl" xml:lang="en-US">Franchise Rights [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FranchiseRightsMember_lbl" xml:lang="en-US">Franchise Agreements [Member]</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_PurchasedTechnologyMember" xlink:label="hrb_PurchasedTechnologyMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_PurchasedTechnologyMember" xlink:to="hrb_PurchasedTechnologyMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_PurchasedTechnologyMember_lbl" xml:lang="en-US">Purchased Technology [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_PurchasedTechnologyMember_lbl" xml:lang="en-US">Purchased Technology [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_PurchasedTechnologyMember_lbl" xml:lang="en-US">Purchased Technology [Member]</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_TradeNameAmortizingMember" xlink:label="hrb_TradeNameAmortizingMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_TradeNameAmortizingMember" xlink:to="hrb_TradeNameAmortizingMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_TradeNameAmortizingMember_lbl" xml:lang="en-US">Trade Name - amortizing [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_TradeNameAmortizingMember_lbl" xml:lang="en-US">Trade Name Amortizing [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_TradeNameAmortizingMember_lbl" xml:lang="en-US">Trade Name [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsGross" xlink:label="us-gaap_FiniteLivedIntangibleAssetsGross" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FiniteLivedIntangibleAssetsGross" xlink:to="us-gaap_FiniteLivedIntangibleAssetsGross_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FiniteLivedIntangibleAssetsGross_lbl" xml:lang="en-US">Finite-Lived Intangible Assets, Gross</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FiniteLivedIntangibleAssetsGross_lbl" xml:lang="en-US">Gross Carrying Amount</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_FiniteLivedIntangibleAssetsGross_lbl" xml:lang="en-US">Gross Carrying Amount</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization" xlink:label="us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization" xlink:to="us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization_lbl" xml:lang="en-US">Finite-Lived Intangible Assets, Accumulated Amortization</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization_lbl" xml:lang="en-US">Accumulated Amortization</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization_lbl" xml:lang="en-US">Accumulated Amortization</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_FiniteLivedIntangibleAssetsNet" xlink:label="us-gaap_FiniteLivedIntangibleAssetsNet" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FiniteLivedIntangibleAssetsNet" xlink:to="us-gaap_FiniteLivedIntangibleAssetsNet_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FiniteLivedIntangibleAssetsNet_lbl" xml:lang="en-US">Finite-Lived Intangible Assets, Net</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FiniteLivedIntangibleAssetsNet_lbl" xml:lang="en-US">Net</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_FiniteLivedIntangibleAssetsNet_lbl" xml:lang="en-US">Net</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_DebtInstrumentTable" xlink:label="us-gaap_DebtInstrumentTable" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DebtInstrumentTable" xlink:to="us-gaap_DebtInstrumentTable_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DebtInstrumentTable_lbl" xml:lang="en-US">Schedule of Long-term Debt Instruments [Table]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_RangeAxis" xlink:label="us-gaap_RangeAxis" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RangeAxis" xlink:to="us-gaap_RangeAxis_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_RangeAxis_lbl" xml:lang="en-US">Range [Axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_RangeMember" xlink:label="us-gaap_RangeMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RangeMember" xlink:to="us-gaap_RangeMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_RangeMember_lbl" xml:lang="en-US">Range [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_RangeMember_lbl" xml:lang="en-US">Range [Domain]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_MaximumMember" xlink:label="us-gaap_MaximumMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_MaximumMember" xlink:to="us-gaap_MaximumMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_MaximumMember_lbl" xml:lang="en-US">Maximum [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_MaximumMember_lbl" xml:lang="en-US">Maximum [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_MinimumMember" xlink:label="us-gaap_MinimumMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_MinimumMember" xlink:to="us-gaap_MinimumMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_MinimumMember_lbl" xml:lang="en-US">Minimum [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_MinimumMember_lbl" xml:lang="en-US">Minimum [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_DebtInstrumentAxis" xlink:label="us-gaap_DebtInstrumentAxis" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DebtInstrumentAxis" xlink:to="us-gaap_DebtInstrumentAxis_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DebtInstrumentAxis_lbl" xml:lang="en-US">Debt Instrument [Axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_DebtInstrumentNameDomain" xlink:label="us-gaap_DebtInstrumentNameDomain" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DebtInstrumentNameDomain" xlink:to="us-gaap_DebtInstrumentNameDomain_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DebtInstrumentNameDomain_lbl" xml:lang="en-US">Debt Instrument Name [Domain]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_DebtInstrumentNameDomain_lbl" xml:lang="en-US">Debt Instrument, Name [Domain]</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_LiborMember" xlink:label="hrb_LiborMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_LiborMember" xlink:to="hrb_LiborMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_LiborMember_lbl" xml:lang="en-US">LIBOR [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_LiborMember_lbl" xml:lang="en-US">Libor [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_LiborMember_lbl" xml:lang="en-US">LIBOR [Member]</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_PrimeMember" xlink:label="hrb_PrimeMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_PrimeMember" xlink:to="hrb_PrimeMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_PrimeMember_lbl" xml:lang="en-US">PRIME [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_PrimeMember_lbl" xml:lang="en-US">Prime [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_PrimeMember_lbl" xml:lang="en-US">PRIME [Member]</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_CommittedLineOfCreditAgreementMember" xlink:label="hrb_CommittedLineOfCreditAgreementMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_CommittedLineOfCreditAgreementMember" xlink:to="hrb_CommittedLineOfCreditAgreementMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_CommittedLineOfCreditAgreementMember_lbl" xml:lang="en-US">Committed Line Of Credit Agreement [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_CommittedLineOfCreditAgreementMember_lbl" xml:lang="en-US">Committed Line Of Credit Agreement [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_CommittedLineOfCreditAgreementMember_lbl" xml:lang="en-US">CLOC Agreement [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_DebtInstrumentLineItems" xlink:label="us-gaap_DebtInstrumentLineItems" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DebtInstrumentLineItems" xlink:to="us-gaap_DebtInstrumentLineItems_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DebtInstrumentLineItems_lbl" xml:lang="en-US">Debt Instrument [Line Items]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_CommercialPaperNoncurrent" xlink:label="us-gaap_CommercialPaperNoncurrent" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CommercialPaperNoncurrent" xlink:to="us-gaap_CommercialPaperNoncurrent_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CommercialPaperNoncurrent_lbl" xml:lang="en-US">Long-term Commercial Paper, Noncurrent</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_CommercialPaperNoncurrent_lbl" xml:lang="en-US">Commercial paper</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_SeniorNotes" xlink:label="us-gaap_SeniorNotes" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SeniorNotes" xlink:to="us-gaap_SeniorNotes_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_SeniorNotes_lbl" xml:lang="en-US">Senior Notes</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_SeniorNotes_lbl" xml:lang="en-US">Senior notes long-term debt</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_SeniorNotes_lbl" xml:lang="en-US">Senior Notes, Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_DebtInstrumentMaturityDate" xlink:label="us-gaap_DebtInstrumentMaturityDate" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DebtInstrumentMaturityDate" xlink:to="us-gaap_DebtInstrumentMaturityDate_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DebtInstrumentMaturityDate_lbl" xml:lang="en-US">Debt Instrument, Maturity Date</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_DebtInstrumentMaturityDate_lbl" xml:lang="en-US">debt maturity date</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_DebtInstrumentMaturityDate_lbl" xml:lang="en-US">Senior notes, maturity date</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity" xlink:label="us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity" xlink:to="us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity_lbl" xml:lang="en-US">Line of Credit Facility, Maximum Borrowing Capacity</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity_lbl" xml:lang="en-US">Maximum funding by facility</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_LineOfCreditFacilityExpirationDate" xlink:label="us-gaap_LineOfCreditFacilityExpirationDate" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LineOfCreditFacilityExpirationDate" xlink:to="us-gaap_LineOfCreditFacilityExpirationDate_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LineOfCreditFacilityExpirationDate_lbl" xml:lang="en-US">Line of Credit Facility, Expiration Date</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_LineOfCreditFacilityExpirationDate_lbl" xml:lang="en-US">Expiration date of credit facility</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_DebtInstrumentBasisSpreadOnVariableRate" xlink:label="us-gaap_DebtInstrumentBasisSpreadOnVariableRate" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DebtInstrumentBasisSpreadOnVariableRate" xlink:to="us-gaap_DebtInstrumentBasisSpreadOnVariableRate_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DebtInstrumentBasisSpreadOnVariableRate_lbl" xml:lang="en-US">Debt Instrument, Basis Spread on Variable Rate</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_DebtInstrumentBasisSpreadOnVariableRate_lbl" xml:lang="en-US">Annual interest rate of facility</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_MinimumNetWorthRequiredForCompliance" xlink:label="us-gaap_MinimumNetWorthRequiredForCompliance" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_MinimumNetWorthRequiredForCompliance" xlink:to="us-gaap_MinimumNetWorthRequiredForCompliance_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_MinimumNetWorthRequiredForCompliance_lbl" xml:lang="en-US">Minimum Net Worth Required for Compliance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_MinimumNetWorthRequiredForCompliance_lbl" xml:lang="en-US">Minimum net worth required for compliance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_MinimumNetWorthRequiredForCompliance_lbl" xml:lang="en-US">Amount of minimum equity maintained</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_ReductionOfAggregateOutstandingPrincipalAmount" xlink:label="hrb_ReductionOfAggregateOutstandingPrincipalAmount" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_ReductionOfAggregateOutstandingPrincipalAmount" xlink:to="hrb_ReductionOfAggregateOutstandingPrincipalAmount_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_ReductionOfAggregateOutstandingPrincipalAmount_lbl" xml:lang="en-US">Reduction of the aggregate outstanding principal amount.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_ReductionOfAggregateOutstandingPrincipalAmount_lbl" xml:lang="en-US">Reduction Of The Aggregate Outstanding Principal Amount</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="hrb_ReductionOfAggregateOutstandingPrincipalAmount_lbl" xml:lang="en-US">Reduction of the aggregate outstanding principal amount, maximum</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_ReductionOfAggregateOutstandingPrincipalPeriod" xlink:label="hrb_ReductionOfAggregateOutstandingPrincipalPeriod" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_ReductionOfAggregateOutstandingPrincipalPeriod" xlink:to="hrb_ReductionOfAggregateOutstandingPrincipalPeriod_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_ReductionOfAggregateOutstandingPrincipalPeriod_lbl" xml:lang="en-US">Reduction of aggregate outstanding principal period.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_ReductionOfAggregateOutstandingPrincipalPeriod_lbl" xml:lang="en-US">Reduction of aggregate outstanding principal period</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_ReductionOfAggregateOutstandingPrincipalPeriod_lbl" xml:lang="en-US">Reduction of aggregate outstanding principal period (in days)</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_NetWorthInComplianceWithCovenants" xlink:label="hrb_NetWorthInComplianceWithCovenants" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_NetWorthInComplianceWithCovenants" xlink:to="hrb_NetWorthInComplianceWithCovenants_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_NetWorthInComplianceWithCovenants_lbl" xml:lang="en-US">Net worth in compliance with covenants.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_NetWorthInComplianceWithCovenants_lbl" xml:lang="en-US">Net Worth In Compliance With Covenants</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="hrb_NetWorthInComplianceWithCovenants_lbl" xml:lang="en-US">Net worth in compliance with covenants</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_AmountOfAdvancedCapacity" xlink:label="hrb_AmountOfAdvancedCapacity" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_AmountOfAdvancedCapacity" xlink:to="hrb_AmountOfAdvancedCapacity_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_AmountOfAdvancedCapacity_lbl" xml:lang="en-US">Amount of advanced capacity.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_AmountOfAdvancedCapacity_lbl" xml:lang="en-US">Amount Of Advanced Capacity</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="hrb_AmountOfAdvancedCapacity_lbl" xml:lang="en-US">Amount of advanced capacity</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_LineOfCreditFacilityAmountOutstanding" xlink:label="us-gaap_LineOfCreditFacilityAmountOutstanding" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LineOfCreditFacilityAmountOutstanding" xlink:to="us-gaap_LineOfCreditFacilityAmountOutstanding_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LineOfCreditFacilityAmountOutstanding_lbl" xml:lang="en-US">Line of Credit Facility, Amount Outstanding</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_LineOfCreditFacilityAmountOutstanding_lbl" xml:lang="en-US">Short-term credit facility</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_LineOfCreditFacilityAmountOutstanding_lbl" xml:lang="en-US">Line of credit, outstanding amount</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_LineOfCreditFacilityRemainingBorrowingCapacity" xlink:label="us-gaap_LineOfCreditFacilityRemainingBorrowingCapacity" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LineOfCreditFacilityRemainingBorrowingCapacity" xlink:to="us-gaap_LineOfCreditFacilityRemainingBorrowingCapacity_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LineOfCreditFacilityRemainingBorrowingCapacity_lbl" xml:lang="en-US">Line of Credit Facility, Remaining Borrowing Capacity</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_LineOfCreditFacilityRemainingBorrowingCapacity_lbl" xml:lang="en-US">Remaining funding available</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_MortgageLoansHeldForInvestmentAsCollateral" xlink:label="hrb_MortgageLoansHeldForInvestmentAsCollateral" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_MortgageLoansHeldForInvestmentAsCollateral" xlink:to="hrb_MortgageLoansHeldForInvestmentAsCollateral_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_MortgageLoansHeldForInvestmentAsCollateral_lbl" xml:lang="en-US">Mortgage loans held for investment as collateral.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_MortgageLoansHeldForInvestmentAsCollateral_lbl" xml:lang="en-US">Mortgage Loans Held For Investment As Collateral</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="hrb_MortgageLoansHeldForInvestmentAsCollateral_lbl" xml:lang="en-US">Mortgage loans held for investment as collateral</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_PercentageOfAnnualFacilityFee" xlink:label="hrb_PercentageOfAnnualFacilityFee" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_PercentageOfAnnualFacilityFee" xlink:to="hrb_PercentageOfAnnualFacilityFee_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_PercentageOfAnnualFacilityFee_lbl" xml:lang="en-US">Percentage of annual facility fee</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_PercentageOfAnnualFacilityFee_lbl" xml:lang="en-US">Percentage Of Annual Facility Fee</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="hrb_PercentageOfAnnualFacilityFee_lbl" xml:lang="en-US">Percentage of annual facility fee</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_SeniorNotesDueOnJanuaryTwoZeroOneThreeMember" xlink:label="hrb_SeniorNotesDueOnJanuaryTwoZeroOneThreeMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_SeniorNotesDueOnJanuaryTwoZeroOneThreeMember" xlink:to="hrb_SeniorNotesDueOnJanuaryTwoZeroOneThreeMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_SeniorNotesDueOnJanuaryTwoZeroOneThreeMember_lbl" xml:lang="en-US">Senior Notes Due On January Two Zero One Three [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_SeniorNotesDueOnJanuaryTwoZeroOneThreeMember_lbl" xml:lang="en-US">Senior Notes Due On January Two Zero One Three [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_SeniorNotesDueOnJanuaryTwoZeroOneThreeMember_lbl" xml:lang="en-US">Senior Notes, 7.875%, Due January 2013 [Member]</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_SeniorNotesDueOnOctoberTwoZeroOneFourMember" xlink:label="hrb_SeniorNotesDueOnOctoberTwoZeroOneFourMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_SeniorNotesDueOnOctoberTwoZeroOneFourMember" xlink:to="hrb_SeniorNotesDueOnOctoberTwoZeroOneFourMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_SeniorNotesDueOnOctoberTwoZeroOneFourMember_lbl" xml:lang="en-US">Senior Notes Due On October Two Zero One Four [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_SeniorNotesDueOnOctoberTwoZeroOneFourMember_lbl" xml:lang="en-US">Senior Notes Due On October Two Zero One Four [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_SeniorNotesDueOnOctoberTwoZeroOneFourMember_lbl" xml:lang="en-US">Senior Notes, 5.125%, Due October 2014 [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_OtherLongTermDebtNoncurrent" xlink:label="us-gaap_OtherLongTermDebtNoncurrent" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherLongTermDebtNoncurrent" xlink:to="us-gaap_OtherLongTermDebtNoncurrent_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OtherLongTermDebtNoncurrent_lbl" xml:lang="en-US">Other Long-term Debt, Noncurrent</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_OtherLongTermDebtNoncurrent_lbl" xml:lang="en-US">Other</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_LongTermDebtCurrent" xlink:label="us-gaap_LongTermDebtCurrent" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LongTermDebtCurrent" xlink:to="us-gaap_LongTermDebtCurrent_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LongTermDebtCurrent_lbl" xml:lang="en-US">Long-term Debt, Current Maturities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_LongTermDebtCurrent_lbl" xml:lang="en-US">Long-term Debt, Current Maturities, Total</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_LongTermDebtCurrent_lbl" xml:lang="en-US">Less: Current portion</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_LongTermDebtNoncurrent" xlink:label="us-gaap_LongTermDebtNoncurrent" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LongTermDebtNoncurrent" xlink:to="us-gaap_LongTermDebtNoncurrent_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LongTermDebtNoncurrent_lbl" xml:lang="en-US">Long-term Debt, Excluding Current Maturities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_LongTermDebtNoncurrent_lbl" xml:lang="en-US">Long-term Debt, Excluding Current Maturities, Total</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_LongTermDebtNoncurrent_lbl" xml:lang="en-US">Total borrowings</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_DebtInstrumentInterestRateDuringPeriod" xlink:label="us-gaap_DebtInstrumentInterestRateDuringPeriod" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DebtInstrumentInterestRateDuringPeriod" xlink:to="us-gaap_DebtInstrumentInterestRateDuringPeriod_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DebtInstrumentInterestRateDuringPeriod_lbl" xml:lang="en-US">Debt Instrument, Interest Rate During Period</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_DebtInstrumentInterestRateDuringPeriod_lbl" xml:lang="en-US">Senior notes, interest rate</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_UnrecognizedTaxBenefits" xlink:label="us-gaap_UnrecognizedTaxBenefits" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_UnrecognizedTaxBenefits" xlink:to="us-gaap_UnrecognizedTaxBenefits_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_UnrecognizedTaxBenefits_lbl" xml:lang="en-US">Unrecognized Tax Benefits</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="us-gaap_UnrecognizedTaxBenefits_lbl" xml:lang="en-US">Balance, end of the year</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="us-gaap_UnrecognizedTaxBenefits_lbl" xml:lang="en-US">Balance, beginning of the year</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_UnrecognizedTaxBenefits_lbl" xml:lang="en-US">Unrecognized tax benefits</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_UnrecognizedTaxBenefits_lbl" xml:lang="en-US">Unrecognized tax benefits</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_UnrecognizedTaxBenefitsIncreaseResultingDueToAccrualsOfTaxPositions" xlink:label="hrb_UnrecognizedTaxBenefitsIncreaseResultingDueToAccrualsOfTaxPositions" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_UnrecognizedTaxBenefitsIncreaseResultingDueToAccrualsOfTaxPositions" xlink:to="hrb_UnrecognizedTaxBenefitsIncreaseResultingDueToAccrualsOfTaxPositions_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_UnrecognizedTaxBenefitsIncreaseResultingDueToAccrualsOfTaxPositions_lbl" xml:lang="en-US">Unrecognized tax benefits increase resulting due to accruals of tax positions</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_UnrecognizedTaxBenefitsIncreaseResultingDueToAccrualsOfTaxPositions_lbl" xml:lang="en-US">Unrecognized tax benefits increase resulting due to accruals of tax positions</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_UnrecognizedTaxBenefitsIncreaseResultingDueToAccrualsOfTaxPositions_lbl" xml:lang="en-US">Gross unrecognized tax benefit increase</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromPriorPeriodTaxPositions" xlink:label="us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromPriorPeriodTaxPositions" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromPriorPeriodTaxPositions" xlink:to="us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromPriorPeriodTaxPositions_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromPriorPeriodTaxPositions_lbl" xml:lang="en-US">Unrecognized Tax Benefits Decreases Resulting From Prior Period Tax Positions</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromPriorPeriodTaxPositions_lbl" xml:lang="en-US">Possible decrease of previously unrecognized tax benefits</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_UnrecognizedTaxBenefitsDecreasesResultingFromPriorPeriodTaxPositions_lbl" xml:lang="en-US">Reductions based on tax positions related to prior years</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_ScheduleOfInterestIncomeAndExpenseTable" xlink:label="hrb_ScheduleOfInterestIncomeAndExpenseTable" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_ScheduleOfInterestIncomeAndExpenseTable" xlink:to="hrb_ScheduleOfInterestIncomeAndExpenseTable_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_ScheduleOfInterestIncomeAndExpenseTable_lbl" xml:lang="en-US">schedule of Interest Income and Expense [Table]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_ScheduleOfInterestIncomeAndExpenseTable_lbl" xml:lang="en-US">Schedule Of Interest Income And Expense [Table]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ComponentOfOtherOperatingCostAndExpenseGeneralAxis" xlink:label="us-gaap_ComponentOfOtherOperatingCostAndExpenseGeneralAxis" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ComponentOfOtherOperatingCostAndExpenseGeneralAxis" xlink:to="us-gaap_ComponentOfOtherOperatingCostAndExpenseGeneralAxis_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ComponentOfOtherOperatingCostAndExpenseGeneralAxis_lbl" xml:lang="en-US">Component of Other Operating Cost and Expense, General [Axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ComponentOfOtherOperatingCostAndExpenseNameDomain" xlink:label="us-gaap_ComponentOfOtherOperatingCostAndExpenseNameDomain" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ComponentOfOtherOperatingCostAndExpenseNameDomain" xlink:to="us-gaap_ComponentOfOtherOperatingCostAndExpenseNameDomain_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ComponentOfOtherOperatingCostAndExpenseNameDomain_lbl" xml:lang="en-US">Component Of Other Operating Cost And Expense Name [Domain]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ComponentOfOtherOperatingCostAndExpenseNameDomain_lbl" xml:lang="en-US">Component of Other Operating Cost and Expense, Name [Domain]</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_MortgageLoansMember" xlink:label="hrb_MortgageLoansMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_MortgageLoansMember" xlink:to="hrb_MortgageLoansMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_MortgageLoansMember_lbl" xml:lang="en-US">Mortgage Loans [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_MortgageLoansMember_lbl" xml:lang="en-US">Mortgage Loans [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_MortgageLoansMember_lbl" xml:lang="en-US">Mortgage Loans [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_OtherInterestIncomeMember" xlink:label="us-gaap_OtherInterestIncomeMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherInterestIncomeMember" xlink:to="us-gaap_OtherInterestIncomeMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OtherInterestIncomeMember_lbl" xml:lang="en-US">Other Interest Income [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_OtherInterestIncomeMember_lbl" xml:lang="en-US">Interest Income Other [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_BorrowingsMember" xlink:label="us-gaap_BorrowingsMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_BorrowingsMember" xlink:to="us-gaap_BorrowingsMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_BorrowingsMember_lbl" xml:lang="en-US">Borrowings [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_BorrowingsMember_lbl" xml:lang="en-US">Borrowings [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_DepositsMember" xlink:label="us-gaap_DepositsMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DepositsMember" xlink:to="us-gaap_DepositsMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DepositsMember_lbl" xml:lang="en-US">Deposits [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_DepositsMember_lbl" xml:lang="en-US">Deposits [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_FederalHomeLoanBankAdvancesMember" xlink:label="us-gaap_FederalHomeLoanBankAdvancesMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FederalHomeLoanBankAdvancesMember" xlink:to="us-gaap_FederalHomeLoanBankAdvancesMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FederalHomeLoanBankAdvancesMember_lbl" xml:lang="en-US">Federal Home Loan Bank Advances [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FederalHomeLoanBankAdvancesMember_lbl" xml:lang="en-US">FHLB Advances [Member]</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_ScheduleOfInterestIncomeAndExpenseLineItems" xlink:label="hrb_ScheduleOfInterestIncomeAndExpenseLineItems" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_ScheduleOfInterestIncomeAndExpenseLineItems" xlink:to="hrb_ScheduleOfInterestIncomeAndExpenseLineItems_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_ScheduleOfInterestIncomeAndExpenseLineItems_lbl" xml:lang="en-US">Schedule Of Interest Income And Expense [Line Items]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_ScheduleOfInterestIncomeAndExpenseLineItems_lbl" xml:lang="en-US">Schedule Of Interest Income And Expense [Line Items]</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_CapitalContributionForCapitalAdequacy" xlink:label="hrb_CapitalContributionForCapitalAdequacy" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_CapitalContributionForCapitalAdequacy" xlink:to="hrb_CapitalContributionForCapitalAdequacy_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_CapitalContributionForCapitalAdequacy_lbl" xml:lang="en-US">Capital contribution for capital adequacy.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_CapitalContributionForCapitalAdequacy_lbl" xml:lang="en-US">Capital Contribution For Capital Adequacy</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="hrb_CapitalContributionForCapitalAdequacy_lbl" xml:lang="en-US">Capital contributions to HRB Bank to meet capital requirements</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_RatioOfIndebtednessToNetCapital1" xlink:label="hrb_RatioOfIndebtednessToNetCapital1" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_RatioOfIndebtednessToNetCapital1" xlink:to="hrb_RatioOfIndebtednessToNetCapital1_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_RatioOfIndebtednessToNetCapital1_lbl" xml:lang="en-US">Indebtedness divided by net capital.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_RatioOfIndebtednessToNetCapital1_lbl" xml:lang="en-US">Ratio Of Indebtedness To Net Capital 1</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_RatioOfIndebtednessToNetCapital1_lbl" xml:lang="en-US">Leverage ratio</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_Capital" xlink:label="us-gaap_Capital" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_Capital" xlink:to="us-gaap_Capital_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_Capital_lbl" xml:lang="en-US">Total risk-based capital ratio, amount</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_CapitalToRiskWeightedAssets" xlink:label="us-gaap_CapitalToRiskWeightedAssets" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CapitalToRiskWeightedAssets" xlink:to="us-gaap_CapitalToRiskWeightedAssets_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CapitalToRiskWeightedAssets_lbl" xml:lang="en-US">Total risk-based capital ratio</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_CapitalToRiskWeightedAssets_lbl" xml:lang="en-US">Total risk-based capital ratio, Ratio</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_CapitalRequiredForCapitalAdequacy" xlink:label="us-gaap_CapitalRequiredForCapitalAdequacy" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CapitalRequiredForCapitalAdequacy" xlink:to="us-gaap_CapitalRequiredForCapitalAdequacy_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CapitalRequiredForCapitalAdequacy_lbl" xml:lang="en-US">Total risk-based capital ratio, for capital adequacy purposes, amount</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets" xlink:label="us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets" xlink:to="us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets_lbl" xml:lang="en-US">Total risk-based capital ratio, for capital adequacy</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_CapitalRequiredToBeWellCapitalized" xlink:label="us-gaap_CapitalRequiredToBeWellCapitalized" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CapitalRequiredToBeWellCapitalized" xlink:to="us-gaap_CapitalRequiredToBeWellCapitalized_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CapitalRequiredToBeWellCapitalized_lbl" xml:lang="en-US">Total risk-based capital ratio, to be well capitalized, amount</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" xlink:label="us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" xlink:to="us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_lbl" xml:lang="en-US">Total risk-based capital ratio, to be well capitalized</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_TierOneRiskBasedCapital" xlink:label="us-gaap_TierOneRiskBasedCapital" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TierOneRiskBasedCapital" xlink:to="us-gaap_TierOneRiskBasedCapital_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TierOneRiskBasedCapital_lbl" xml:lang="en-US">Tier 1 risk-based capital ratio, amount</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets" xlink:label="us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets" xlink:to="us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets_lbl" xml:lang="en-US">Tier 1 risk-based capital ratio</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized" xlink:label="us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized" xlink:to="us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized_lbl" xml:lang="en-US">Tier 1 risk-based capital ratio, to be well capitalized, amount</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" xlink:label="us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets" xlink:to="us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets_lbl" xml:lang="en-US">Tier 1 risk-based capital ratio, to be well capitalized</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_TierOneLeverageCapital" xlink:label="us-gaap_TierOneLeverageCapital" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TierOneLeverageCapital" xlink:to="us-gaap_TierOneLeverageCapital_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TierOneLeverageCapital_lbl" xml:lang="en-US">Tier 1 capital ratio (leverage), amount</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_TierOneLeverageCapitalToAverageAssets" xlink:label="us-gaap_TierOneLeverageCapitalToAverageAssets" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TierOneLeverageCapitalToAverageAssets" xlink:to="us-gaap_TierOneLeverageCapitalToAverageAssets_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TierOneLeverageCapitalToAverageAssets_lbl" xml:lang="en-US">Leverage ratio</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_TierOneLeverageCapitalToAverageAssets_lbl" xml:lang="en-US">Tier 1 capital ratio (leverage)</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy" xlink:label="us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy" xlink:to="us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy_lbl" xml:lang="en-US">Tier 1 capital ratio (leverage), for capital adequacy, amount</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets" xlink:label="us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets" xlink:to="us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets_lbl" xml:lang="en-US">Tier 1 capital ratio (leverage), for capital adequacy</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized" xlink:label="us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized" xlink:to="us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized_lbl" xml:lang="en-US">Tier 1 capital ratio (leverage), to be well capitalized, amount</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets" xlink:label="us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets" xlink:to="us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets_lbl" xml:lang="en-US">Tier 1 capital ratio (leverage), to be well capitalized</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_TangibleCapital" xlink:label="us-gaap_TangibleCapital" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TangibleCapital" xlink:to="us-gaap_TangibleCapital_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TangibleCapital_lbl" xml:lang="en-US">Tangible equity ratio, amount</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_TangibleCapitalToTangibleAssets" xlink:label="us-gaap_TangibleCapitalToTangibleAssets" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TangibleCapitalToTangibleAssets" xlink:to="us-gaap_TangibleCapitalToTangibleAssets_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TangibleCapitalToTangibleAssets_lbl" xml:lang="en-US">Tangible equity ratio</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_TangibleCapitalRequiredForCapitalAdequacy" xlink:label="us-gaap_TangibleCapitalRequiredForCapitalAdequacy" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TangibleCapitalRequiredForCapitalAdequacy" xlink:to="us-gaap_TangibleCapitalRequiredForCapitalAdequacy_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TangibleCapitalRequiredForCapitalAdequacy_lbl" xml:lang="en-US">Tangible equity ratio, for capital adequacy, amount</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_TangibleCapitalRequiredForCapitalAdequacyToTangibleAssets" xlink:label="us-gaap_TangibleCapitalRequiredForCapitalAdequacyToTangibleAssets" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TangibleCapitalRequiredForCapitalAdequacyToTangibleAssets" xlink:to="us-gaap_TangibleCapitalRequiredForCapitalAdequacyToTangibleAssets_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TangibleCapitalRequiredForCapitalAdequacyToTangibleAssets_lbl" xml:lang="en-US">Tangible equity ratio, for capital adequacy</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_ScheduleOfCommitmentsAndContingenciesTable" xlink:label="hrb_ScheduleOfCommitmentsAndContingenciesTable" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_ScheduleOfCommitmentsAndContingenciesTable" xlink:to="hrb_ScheduleOfCommitmentsAndContingenciesTable_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_ScheduleOfCommitmentsAndContingenciesTable_lbl" xml:lang="en-US">Schedule of Commitments and Contingencies [Table]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_ScheduleOfCommitmentsAndContingenciesTable_lbl" xml:lang="en-US">Schedule of Commitments and Contingencies [Table]</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_OriginationYearAxis" xlink:label="hrb_OriginationYearAxis" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_OriginationYearAxis" xlink:to="hrb_OriginationYearAxis_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_OriginationYearAxis_lbl" xml:lang="en-US">Origination Year [Axis]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_OriginationYearAxis_lbl" xml:lang="en-US">Origination Year [Axis]</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_OriginationYearDomain" xlink:label="hrb_OriginationYearDomain" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_OriginationYearDomain" xlink:to="hrb_OriginationYearDomain_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_OriginationYearDomain_lbl" xml:lang="en-US">Origination Year [Domain]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_OriginationYearDomain_lbl" xml:lang="en-US">Origination Year [Domain]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_OriginationYearDomain_lbl" xml:lang="en-US">Origination Year [Domain]</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_TwoThousandFiveMember" xlink:label="hrb_TwoThousandFiveMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_TwoThousandFiveMember" xlink:to="hrb_TwoThousandFiveMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_TwoThousandFiveMember_lbl" xml:lang="en-US">Two Thousand Five [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_TwoThousandFiveMember_lbl" xml:lang="en-US">Two Thousand Five [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_TwoThousandFiveMember_lbl" xml:lang="en-US">2005 [Member]</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_TwoThousandSixMember" xlink:label="hrb_TwoThousandSixMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_TwoThousandSixMember" xlink:to="hrb_TwoThousandSixMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_TwoThousandSixMember_lbl" xml:lang="en-US">Two Thousand Six [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_TwoThousandSixMember_lbl" xml:lang="en-US">Two Thousand Six [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_TwoThousandSixMember_lbl" xml:lang="en-US">2006 [Member]</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_TwoThousandSevenMember" xlink:label="hrb_TwoThousandSevenMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_TwoThousandSevenMember" xlink:to="hrb_TwoThousandSevenMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_TwoThousandSevenMember_lbl" xml:lang="en-US">Two Thousand Seven [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_TwoThousandSevenMember_lbl" xml:lang="en-US">Two Thousand Seven [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_TwoThousandSevenMember_lbl" xml:lang="en-US">2007 [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_SecuritizationFinancialAssetForWhichTransferIsAccountedAsSaleAxis" xlink:label="us-gaap_SecuritizationFinancialAssetForWhichTransferIsAccountedAsSaleAxis" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SecuritizationFinancialAssetForWhichTransferIsAccountedAsSaleAxis" xlink:to="us-gaap_SecuritizationFinancialAssetForWhichTransferIsAccountedAsSaleAxis_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_SecuritizationFinancialAssetForWhichTransferIsAccountedAsSaleAxis_lbl" xml:lang="en-US">Securitization or Asset-backed Financing Arrangements, Financial Asset for which Transfer is Accounted as Sale by Type [Axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain" xlink:label="us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain" xlink:to="us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_lbl" xml:lang="en-US">Transfers And Servicing Of Financial Instruments Types Of Financial Instruments [Domain]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_TransfersAndServicingOfFinancialInstrumentsTypesOfFinancialInstrumentsDomain_lbl" xml:lang="en-US">Types of Financial Instruments [Domain]</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_PrivateLabelSecuritizationTransactionsMember" xlink:label="hrb_PrivateLabelSecuritizationTransactionsMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_PrivateLabelSecuritizationTransactionsMember" xlink:to="hrb_PrivateLabelSecuritizationTransactionsMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_PrivateLabelSecuritizationTransactionsMember_lbl" xml:lang="en-US">Private-label Securitization Transactions [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_PrivateLabelSecuritizationTransactionsMember_lbl" xml:lang="en-US">Private Label Securitization Transactions [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_PrivateLabelSecuritizationTransactionsMember_lbl" xml:lang="en-US">Private-Label Securitization Transactions [Member]</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_MonolineInsurersMember" xlink:label="hrb_MonolineInsurersMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_MonolineInsurersMember" xlink:to="hrb_MonolineInsurersMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_MonolineInsurersMember_lbl" xml:lang="en-US">Monoline Insurers [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_MonolineInsurersMember_lbl" xml:lang="en-US">Monoline Insurers [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_MonolineInsurersMember_lbl" xml:lang="en-US">Monoline Insurers [Member]</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_CommitmentsAndContingenciesLineItems" xlink:label="hrb_CommitmentsAndContingenciesLineItems" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_CommitmentsAndContingenciesLineItems" xlink:to="hrb_CommitmentsAndContingenciesLineItems_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_CommitmentsAndContingenciesLineItems_lbl" xml:lang="en-US">Commitments And Contingencies [Line Items]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_CommitmentsAndContingenciesLineItems_lbl" xml:lang="en-US">Commitments And Contingencies [Line Items]</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_StandardGuaranteeAccrualAmount" xlink:label="hrb_StandardGuaranteeAccrualAmount" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_StandardGuaranteeAccrualAmount" xlink:to="hrb_StandardGuaranteeAccrualAmount_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_StandardGuaranteeAccrualAmount_lbl" xml:lang="en-US">Standard guarantee accrual amount</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_StandardGuaranteeAccrualAmount_lbl" xml:lang="en-US">Standard Guarantee Accrual Amount</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_StandardGuaranteeAccrualAmount_lbl" xml:lang="en-US">Standard guarantee accrual amount</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_BusinessAcquisitionContingentConsiderationAtFairValue" xlink:label="us-gaap_BusinessAcquisitionContingentConsiderationAtFairValue" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_BusinessAcquisitionContingentConsiderationAtFairValue" xlink:to="us-gaap_BusinessAcquisitionContingentConsiderationAtFairValue_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_BusinessAcquisitionContingentConsiderationAtFairValue_lbl" xml:lang="en-US">Contingent business acquisition obligations</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_ClaimsReceivedForLoans" xlink:label="hrb_ClaimsReceivedForLoans" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_ClaimsReceivedForLoans" xlink:to="hrb_ClaimsReceivedForLoans_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_ClaimsReceivedForLoans_lbl" xml:lang="en-US">Claims received for loans</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_ClaimsReceivedForLoans_lbl" xml:lang="en-US">Claims received for loans</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_ClaimsReceivedForLoans_lbl" xml:lang="en-US">Claims received for loans</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_PercentageOfDeniedLoanRepurchaseClaimsReceived" xlink:label="hrb_PercentageOfDeniedLoanRepurchaseClaimsReceived" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_PercentageOfDeniedLoanRepurchaseClaimsReceived" xlink:to="hrb_PercentageOfDeniedLoanRepurchaseClaimsReceived_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_PercentageOfDeniedLoanRepurchaseClaimsReceived_lbl" xml:lang="en-US">Percentage of denied loan repurchase claims received.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_PercentageOfDeniedLoanRepurchaseClaimsReceived_lbl" xml:lang="en-US">Percentage Of Denied Loan Repurchase Claims Received</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="hrb_PercentageOfDeniedLoanRepurchaseClaimsReceived_lbl" xml:lang="en-US">Percentage of denied loan repurchase claims received</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_PercentageOfValidClaimsThatResultedInLoanRepurchases" xlink:label="hrb_PercentageOfValidClaimsThatResultedInLoanRepurchases" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_PercentageOfValidClaimsThatResultedInLoanRepurchases" xlink:to="hrb_PercentageOfValidClaimsThatResultedInLoanRepurchases_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_PercentageOfValidClaimsThatResultedInLoanRepurchases_lbl" xml:lang="en-US">Percentage of valid claims that resulted in loan repurchases</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_PercentageOfValidClaimsThatResultedInLoanRepurchases_lbl" xml:lang="en-US">Percentage of valid claims that resulted in loan repurchases</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_PercentageOfValidClaimsThatResultedInLoanRepurchases_lbl" xml:lang="en-US">Percentage of valid claims that resulted in loan repurchases</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_PercentageOfValidClaimsThatResultedInIndemnificationOrSettlementPayments" xlink:label="hrb_PercentageOfValidClaimsThatResultedInIndemnificationOrSettlementPayments" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_PercentageOfValidClaimsThatResultedInIndemnificationOrSettlementPayments" xlink:to="hrb_PercentageOfValidClaimsThatResultedInIndemnificationOrSettlementPayments_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_PercentageOfValidClaimsThatResultedInIndemnificationOrSettlementPayments_lbl" xml:lang="en-US">Percentage of valid claims that resulted in indemnification or settlement payments</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_PercentageOfValidClaimsThatResultedInIndemnificationOrSettlementPayments_lbl" xml:lang="en-US">Percentage of valid claims that resulted in indemnification or settlement payments</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_PercentageOfValidClaimsThatResultedInIndemnificationOrSettlementPayments_lbl" xml:lang="en-US">Percentage of valid claims that resulted in indemnification or settlement payments</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_GainLossRelatedToLitigationSettlement" xlink:label="us-gaap_GainLossRelatedToLitigationSettlement" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_GainLossRelatedToLitigationSettlement" xlink:to="us-gaap_GainLossRelatedToLitigationSettlement_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_GainLossRelatedToLitigationSettlement_lbl" xml:lang="en-US">Gain (Loss) Related to Litigation Settlement</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_GainLossRelatedToLitigationSettlement_lbl" xml:lang="en-US">Losses incurred on claim settlements</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_GainLossRelatedToLitigationSettlement_lbl" xml:lang="en-US">Gain (Loss) Related to Litigation Settlement, Total</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_LossSeverityRatesOnRepurchaseAndIndemnification" xlink:label="hrb_LossSeverityRatesOnRepurchaseAndIndemnification" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_LossSeverityRatesOnRepurchaseAndIndemnification" xlink:to="hrb_LossSeverityRatesOnRepurchaseAndIndemnification_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_LossSeverityRatesOnRepurchaseAndIndemnification_lbl" xml:lang="en-US">Loss severity rates on repurchase and indemnification</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_LossSeverityRatesOnRepurchaseAndIndemnification_lbl" xml:lang="en-US">Loss Severity Rates On Repurchase And Indemnification</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_LossSeverityRatesOnRepurchaseAndIndemnification_lbl" xml:lang="en-US">Loss severity rates on repurchases and indemnification</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_NetBalanceOfAllMortgageLoansHeldForSale" xlink:label="hrb_NetBalanceOfAllMortgageLoansHeldForSale" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_NetBalanceOfAllMortgageLoansHeldForSale" xlink:to="hrb_NetBalanceOfAllMortgageLoansHeldForSale_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_NetBalanceOfAllMortgageLoansHeldForSale_lbl" xml:lang="en-US">Net balance of all mortgage loans held for sale</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_NetBalanceOfAllMortgageLoansHeldForSale_lbl" xml:lang="en-US">Net Balance Of All Mortgage Loans Held For Sale</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_NetBalanceOfAllMortgageLoansHeldForSale_lbl" xml:lang="en-US">Net balance of all mortgage loans held for sale by SCC</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_NumberOfDaysToRespondToRepresentationAndWarrantyClaims" xlink:label="hrb_NumberOfDaysToRespondToRepresentationAndWarrantyClaims" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_NumberOfDaysToRespondToRepresentationAndWarrantyClaims" xlink:to="hrb_NumberOfDaysToRespondToRepresentationAndWarrantyClaims_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_NumberOfDaysToRespondToRepresentationAndWarrantyClaims_lbl" xml:lang="en-US">Number of days to respond to representation and warranty claims.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_NumberOfDaysToRespondToRepresentationAndWarrantyClaims_lbl" xml:lang="en-US">Number of days to respond to representation and warranty claims</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_NumberOfDaysToRespondToRepresentationAndWarrantyClaims_lbl" xml:lang="en-US">Number of days to respond to representation and warranty claims, in days</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_PrincipalBalanceOfPriorPeriodWarrantyClaimsReviewedDuringPeriod" xlink:label="hrb_PrincipalBalanceOfPriorPeriodWarrantyClaimsReviewedDuringPeriod" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_PrincipalBalanceOfPriorPeriodWarrantyClaimsReviewedDuringPeriod" xlink:to="hrb_PrincipalBalanceOfPriorPeriodWarrantyClaimsReviewedDuringPeriod_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_PrincipalBalanceOfPriorPeriodWarrantyClaimsReviewedDuringPeriod_lbl" xml:lang="en-US">Principal Balance Of Prior Period Warranty Claims Reviewed During Period</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_PrincipalBalanceOfPriorPeriodWarrantyClaimsReviewedDuringPeriod_lbl" xml:lang="en-US">Principal Balance Of Prior Period Warranty Claims Reviewed During Period</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_PrincipalBalanceOfPriorPeriodWarrantyClaimsReviewedDuringPeriod_lbl" xml:lang="en-US">Principal balance of warranty claims reviewed</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_EstimatedLossOnValidWarrantyClaimsReviewedDuringPeriod" xlink:label="hrb_EstimatedLossOnValidWarrantyClaimsReviewedDuringPeriod" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_EstimatedLossOnValidWarrantyClaimsReviewedDuringPeriod" xlink:to="hrb_EstimatedLossOnValidWarrantyClaimsReviewedDuringPeriod_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_EstimatedLossOnValidWarrantyClaimsReviewedDuringPeriod_lbl" xml:lang="en-US">Estimated Loss On Valid Warranty Claims</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_EstimatedLossOnValidWarrantyClaimsReviewedDuringPeriod_lbl" xml:lang="en-US">Estimated Loss On Valid Warranty Claims Reviewed During Period</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_EstimatedLossOnValidWarrantyClaimsReviewedDuringPeriod_lbl" xml:lang="en-US">Estimated loss on valid warranty claims</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_ClaimsSubjectToReviewAmount" xlink:label="hrb_ClaimsSubjectToReviewAmount" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_ClaimsSubjectToReviewAmount" xlink:to="hrb_ClaimsSubjectToReviewAmount_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_ClaimsSubjectToReviewAmount_lbl" xml:lang="en-US">Claims subject to review, amount</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_ClaimsSubjectToReviewAmount_lbl" xml:lang="en-US">Claims Subject To Review, Amount</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="hrb_ClaimsSubjectToReviewAmount_lbl" xml:lang="en-US">Claims subject to review by SCC, amount</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_ClaimsSubjectToReviewAmount_lbl" xml:lang="en-US">Claims subject to review by SCC, amount</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_AmountOfClaimsUnderReviewRepresentingRequestsForAdditionalInformationRelatedToDeniedClaims" xlink:label="hrb_AmountOfClaimsUnderReviewRepresentingRequestsForAdditionalInformationRelatedToDeniedClaims" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_AmountOfClaimsUnderReviewRepresentingRequestsForAdditionalInformationRelatedToDeniedClaims" xlink:to="hrb_AmountOfClaimsUnderReviewRepresentingRequestsForAdditionalInformationRelatedToDeniedClaims_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_AmountOfClaimsUnderReviewRepresentingRequestsForAdditionalInformationRelatedToDeniedClaims_lbl" xml:lang="en-US">Amount of claims under review representing requests for additional information related to denied claims</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_AmountOfClaimsUnderReviewRepresentingRequestsForAdditionalInformationRelatedToDeniedClaims_lbl" xml:lang="en-US">Amount Of Claims Under Review Representing Requests For Additional Information Related To Denied Claims</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_AmountOfClaimsUnderReviewRepresentingRequestsForAdditionalInformationRelatedToDeniedClaims_lbl" xml:lang="en-US">Amount of claims under review representing requests for additions</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_PercentageOfFraudOnOriginatedLoans" xlink:label="hrb_PercentageOfFraudOnOriginatedLoans" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_PercentageOfFraudOnOriginatedLoans" xlink:to="hrb_PercentageOfFraudOnOriginatedLoans_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_PercentageOfFraudOnOriginatedLoans_lbl" xml:lang="en-US">Percentage of Fraud on Originated Loans</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_PercentageOfFraudOnOriginatedLoans_lbl" xml:lang="en-US">Percentage of Fraud on Originated Loans</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_PercentageOfFraudOnOriginatedLoans_lbl" xml:lang="en-US">Percentage of fraud on originated loans</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_PercentageOfLoansOriginatedIn2006And2007" xlink:label="hrb_PercentageOfLoansOriginatedIn2006And2007" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_PercentageOfLoansOriginatedIn2006And2007" xlink:to="hrb_PercentageOfLoansOriginatedIn2006And2007_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_PercentageOfLoansOriginatedIn2006And2007_lbl" xml:lang="en-US">Percentage of loans originated in 2006 and 2007</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_PercentageOfLoansOriginatedIn2006And2007_lbl" xml:lang="en-US">Percentage Of Loans Originated In 2006 And 2007</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_PercentageOfLoansOriginatedIn2006And2007_lbl" xml:lang="en-US">Percentage of loans originated in 2006 and 2007</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_AmountOfLoansOriginatedDuring2005Through2007" xlink:label="hrb_AmountOfLoansOriginatedDuring2005Through2007" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_AmountOfLoansOriginatedDuring2005Through2007" xlink:to="hrb_AmountOfLoansOriginatedDuring2005Through2007_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_AmountOfLoansOriginatedDuring2005Through2007_lbl" xml:lang="en-US">Amount of loans originated during 2005 through 2007</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_AmountOfLoansOriginatedDuring2005Through2007_lbl" xml:lang="en-US">Amount Of Loans Originated During 2005 Through 2007</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_AmountOfLoansOriginatedDuring2005Through2007_lbl" xml:lang="en-US">Amount of loans originated during 2005 through 2007</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_PercentageOfLoansIssuedToGovernmentSponsoredEntities" xlink:label="hrb_PercentageOfLoansIssuedToGovernmentSponsoredEntities" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_PercentageOfLoansIssuedToGovernmentSponsoredEntities" xlink:to="hrb_PercentageOfLoansIssuedToGovernmentSponsoredEntities_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_PercentageOfLoansIssuedToGovernmentSponsoredEntities_lbl" xml:lang="en-US">Percentage of loans issued to government sponsored entities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_PercentageOfLoansIssuedToGovernmentSponsoredEntities_lbl" xml:lang="en-US">Percentage Of Loans Issued To Government Sponsored Entities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_PercentageOfLoansIssuedToGovernmentSponsoredEntities_lbl" xml:lang="en-US">Percentage of loans issued to government sponsored entities, maximum</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_ValueOfLoansWhichHaveDefaultedInFirstTwoYears" xlink:label="hrb_ValueOfLoansWhichHaveDefaultedInFirstTwoYears" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_ValueOfLoansWhichHaveDefaultedInFirstTwoYears" xlink:to="hrb_ValueOfLoansWhichHaveDefaultedInFirstTwoYears_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_ValueOfLoansWhichHaveDefaultedInFirstTwoYears_lbl" xml:lang="en-US">Value of loans which have defaulted in the first two years</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_ValueOfLoansWhichHaveDefaultedInFirstTwoYears_lbl" xml:lang="en-US">Value of loans which have defaulted in the first two years</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_ValueOfLoansWhichHaveDefaultedInFirstTwoYears_lbl" xml:lang="en-US">Value of loans which have defaulted in the first two years</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_LossContingencyAccrualAtCarryingValue" xlink:label="us-gaap_LossContingencyAccrualAtCarryingValue" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LossContingencyAccrualAtCarryingValue" xlink:to="us-gaap_LossContingencyAccrualAtCarryingValue_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LossContingencyAccrualAtCarryingValue_lbl" xml:lang="en-US">Loss Contingency Accrual, at Carrying Value</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="us-gaap_LossContingencyAccrualAtCarryingValue_lbl" xml:lang="en-US">Reserve for losses on repurchases, ending balance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="us-gaap_LossContingencyAccrualAtCarryingValue_lbl" xml:lang="en-US">Reserve for losses on repurchases, beginning balance</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_LossContingencyAccrualAtCarryingValue_lbl" xml:lang="en-US">Reserve for losses on repurchases</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_LossContingencyAccrualAtCarryingValue_lbl" xml:lang="en-US">Reserve for losses on repurchases</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_LossContingencyEstimateOfPossibleLoss" xlink:label="us-gaap_LossContingencyEstimateOfPossibleLoss" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LossContingencyEstimateOfPossibleLoss" xlink:to="us-gaap_LossContingencyEstimateOfPossibleLoss_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LossContingencyEstimateOfPossibleLoss_lbl" xml:lang="en-US">Liability for legal claims</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_LossContingencyEstimateOfPossibleLoss_lbl" xml:lang="en-US">Loss contingency estimate</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_LossContingencyEstimateOfPossibleLoss_lbl" xml:lang="en-US">Estimated contingent losses</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_LossContingencyAccrualCarryingValuePayments" xlink:label="us-gaap_LossContingencyAccrualCarryingValuePayments" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LossContingencyAccrualCarryingValuePayments" xlink:to="us-gaap_LossContingencyAccrualCarryingValuePayments_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LossContingencyAccrualCarryingValuePayments_lbl" xml:lang="en-US">Loss Contingency Accrual, Carrying Value, Payments</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_LossContingencyAccrualCarryingValuePayments_lbl" xml:lang="en-US">Payments under indemnity agreement</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_LossContingencyApproximateLossSeverityRates" xlink:label="hrb_LossContingencyApproximateLossSeverityRates" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_LossContingencyApproximateLossSeverityRates" xlink:to="hrb_LossContingencyApproximateLossSeverityRates_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_LossContingencyApproximateLossSeverityRates_lbl" xml:lang="en-US">Loss contingency approximate loss severity rates</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_LossContingencyApproximateLossSeverityRates_lbl" xml:lang="en-US">Loss Contingency Approximate Loss Severity Rates</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_LossContingencyApproximateLossSeverityRates_lbl" xml:lang="en-US">Loss severity rate, assumed</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_IncreaseInLossesDueToAssumedOnePercentIncreaseInValidityRatesAndLossSeverities" xlink:label="hrb_IncreaseInLossesDueToAssumedOnePercentIncreaseInValidityRatesAndLossSeverities" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_IncreaseInLossesDueToAssumedOnePercentIncreaseInValidityRatesAndLossSeverities" xlink:to="hrb_IncreaseInLossesDueToAssumedOnePercentIncreaseInValidityRatesAndLossSeverities_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_IncreaseInLossesDueToAssumedOnePercentIncreaseInValidityRatesAndLossSeverities_lbl" xml:lang="en-US">Increase in losses due to assumed 1% increase in validity rates and loss severities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_IncreaseInLossesDueToAssumedOnePercentIncreaseInValidityRatesAndLossSeverities_lbl" xml:lang="en-US">Increase In Losses Due To Assumed One Percent Increase In Validity Rates And Loss Severities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_IncreaseInLossesDueToAssumedOnePercentIncreaseInValidityRatesAndLossSeverities_lbl" xml:lang="en-US">Increase in losses due to assumed 1% increase in validity rates and loss severities</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_DeferredRevenue" xlink:label="us-gaap_DeferredRevenue" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DeferredRevenue" xlink:to="us-gaap_DeferredRevenue_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DeferredRevenue_lbl" xml:lang="en-US">Deferred revenue</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodEndLabel" xlink:label="us-gaap_DeferredRevenue_lbl" xml:lang="en-US">Balance, end of period</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/periodStartLabel" xlink:label="us-gaap_DeferredRevenue_lbl" xml:lang="en-US">Balance, beginning of period</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_DeferredRevenue_lbl" xml:lang="en-US">Deferred Revenue, Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_DeferredRevenueAdditions" xlink:label="us-gaap_DeferredRevenueAdditions" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DeferredRevenueAdditions" xlink:to="us-gaap_DeferredRevenueAdditions_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DeferredRevenueAdditions_lbl" xml:lang="en-US">Amounts deferred for new guarantees issued</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_DeferredRevenueRevenueRecognized" xlink:label="us-gaap_DeferredRevenueRevenueRecognized" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DeferredRevenueRevenueRecognized" xlink:to="us-gaap_DeferredRevenueRevenueRecognized_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DeferredRevenueRevenueRecognized_lbl" xml:lang="en-US">Revenue recognized on previous deferrals</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_ObligationForUnfundedLetterOfCredit" xlink:label="hrb_ObligationForUnfundedLetterOfCredit" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_ObligationForUnfundedLetterOfCredit" xlink:to="hrb_ObligationForUnfundedLetterOfCredit_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_ObligationForUnfundedLetterOfCredit_lbl" xml:lang="en-US">Obligation for unfunded letter of credit</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_ObligationForUnfundedLetterOfCredit_lbl" xml:lang="en-US">Obligation For Unfunded Letter Of Credit</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_ObligationForUnfundedLetterOfCredit_lbl" xml:lang="en-US">Franchise Equity Lines of Credit - undrawn commitment</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_UnrecordedUnconditionalPurchaseObligationBalanceSheetAmount" xlink:label="us-gaap_UnrecordedUnconditionalPurchaseObligationBalanceSheetAmount" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_UnrecordedUnconditionalPurchaseObligationBalanceSheetAmount" xlink:to="us-gaap_UnrecordedUnconditionalPurchaseObligationBalanceSheetAmount_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_UnrecordedUnconditionalPurchaseObligationBalanceSheetAmount_lbl" xml:lang="en-US">Unrecorded Unconditional Purchase Obligation</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_UnrecordedUnconditionalPurchaseObligationBalanceSheetAmount_lbl" xml:lang="en-US">Media advertising purchase obligation</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_UnrecordedUnconditionalPurchaseObligationBalanceSheetAmount_lbl" xml:lang="en-US">Unrecorded Unconditional Purchase Obligation, Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_LossContingenciesByNatureOfContingencyAxis" xlink:label="us-gaap_LossContingenciesByNatureOfContingencyAxis" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LossContingenciesByNatureOfContingencyAxis" xlink:to="us-gaap_LossContingenciesByNatureOfContingencyAxis_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LossContingenciesByNatureOfContingencyAxis_lbl" xml:lang="en-US">Loss Contingencies by Nature of Contingency [Axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_LossContingencyNatureDomain" xlink:label="us-gaap_LossContingencyNatureDomain" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LossContingencyNatureDomain" xlink:to="us-gaap_LossContingencyNatureDomain_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LossContingencyNatureDomain_lbl" xml:lang="en-US">Loss Contingency Nature [Domain]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_LossContingencyNatureDomain_lbl" xml:lang="en-US">Loss Contingency, Nature [Domain]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_GuaranteeObligationsMember" xlink:label="us-gaap_GuaranteeObligationsMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_GuaranteeObligationsMember" xlink:to="us-gaap_GuaranteeObligationsMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_GuaranteeObligationsMember_lbl" xml:lang="en-US">Guarantee Obligations [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_GuaranteeObligationsMember_lbl" xml:lang="en-US">Guarantee Obligations [Member]</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_RepurchaseAndIndemnificationsMember" xlink:label="hrb_RepurchaseAndIndemnificationsMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_RepurchaseAndIndemnificationsMember" xlink:to="hrb_RepurchaseAndIndemnificationsMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_RepurchaseAndIndemnificationsMember_lbl" xml:lang="en-US">Repurchase and Indemnifications [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_RepurchaseAndIndemnificationsMember_lbl" xml:lang="en-US">Repurchase And Indemnifications [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_RepurchaseAndIndemnificationsMember_lbl" xml:lang="en-US">Repurchase And Indemnifications [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_IndemnificationGuaranteeMember" xlink:label="us-gaap_IndemnificationGuaranteeMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IndemnificationGuaranteeMember" xlink:to="us-gaap_IndemnificationGuaranteeMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_IndemnificationGuaranteeMember_lbl" xml:lang="en-US">Indemnification Guarantee [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_IndemnificationGuaranteeMember_lbl" xml:lang="en-US">Indemnity Agreement Dated April 2008 [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_LossContingencyAccrualCarryingValueProvision" xlink:label="us-gaap_LossContingencyAccrualCarryingValueProvision" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LossContingencyAccrualCarryingValueProvision" xlink:to="us-gaap_LossContingencyAccrualCarryingValueProvision_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LossContingencyAccrualCarryingValueProvision_lbl" xml:lang="en-US">Loss Contingency Accrual, Carrying Value, Provision</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_LossContingencyAccrualCarryingValueProvision_lbl" xml:lang="en-US">Provisions</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_LossesOnRepurchaseAndIndemnifications" xlink:label="hrb_LossesOnRepurchaseAndIndemnifications" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_LossesOnRepurchaseAndIndemnifications" xlink:to="hrb_LossesOnRepurchaseAndIndemnifications_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_LossesOnRepurchaseAndIndemnifications_lbl" xml:lang="en-US">Losses on repurchase and indemnifications</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_LossesOnRepurchaseAndIndemnifications_lbl" xml:lang="en-US">Losses On Repurchase And Indemnifications</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_LossesOnRepurchaseAndIndemnifications_lbl" xml:lang="en-US">Losses on repurchase and indemnifications</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_DisposalGroupIncludingDiscontinuedOperationEstimatedAggregateFairValue" xlink:label="hrb_DisposalGroupIncludingDiscontinuedOperationEstimatedAggregateFairValue" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_DisposalGroupIncludingDiscontinuedOperationEstimatedAggregateFairValue" xlink:to="hrb_DisposalGroupIncludingDiscontinuedOperationEstimatedAggregateFairValue_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_DisposalGroupIncludingDiscontinuedOperationEstimatedAggregateFairValue_lbl" xml:lang="en-US">Disposal group including discontinued operation estimated aggregate fair value</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_DisposalGroupIncludingDiscontinuedOperationEstimatedAggregateFairValue_lbl" xml:lang="en-US">Disposal Group Including Discontinued Operation Estimated Aggregate Fair Value</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_DisposalGroupIncludingDiscontinuedOperationEstimatedAggregateFairValue_lbl" xml:lang="en-US">Estimated aggregate fair value</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_IncomeStatementBalanceSheetAndAdditionalDisclosuresByDisposalGroupsIncludingDiscontinuedOperationsAxis" xlink:label="us-gaap_IncomeStatementBalanceSheetAndAdditionalDisclosuresByDisposalGroupsIncludingDiscontinuedOperationsAxis" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_IncomeStatementBalanceSheetAndAdditionalDisclosuresByDisposalGroupsIncludingDiscontinuedOperationsAxis" xlink:to="us-gaap_IncomeStatementBalanceSheetAndAdditionalDisclosuresByDisposalGroupsIncludingDiscontinuedOperationsAxis_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_IncomeStatementBalanceSheetAndAdditionalDisclosuresByDisposalGroupsIncludingDiscontinuedOperationsAxis_lbl" xml:lang="en-US">Income Statement, Balance Sheet and Additional Disclosures by Disposal Groups, Including Discontinued Operations [Axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_DisposalGroupsIncludingDiscontinuedOperationsNameDomain" xlink:label="us-gaap_DisposalGroupsIncludingDiscontinuedOperationsNameDomain" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DisposalGroupsIncludingDiscontinuedOperationsNameDomain" xlink:to="us-gaap_DisposalGroupsIncludingDiscontinuedOperationsNameDomain_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DisposalGroupsIncludingDiscontinuedOperationsNameDomain_lbl" xml:lang="en-US">Disposal Groups Including Discontinued Operations Name [Domain]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_DisposalGroupsIncludingDiscontinuedOperationsNameDomain_lbl" xml:lang="en-US">Disposal Groups, Including Discontinued Operations, Name [Domain]</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_RsmAndRelatedBusinessMember" xlink:label="hrb_RsmAndRelatedBusinessMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_RsmAndRelatedBusinessMember" xlink:to="hrb_RsmAndRelatedBusinessMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_RsmAndRelatedBusinessMember_lbl" xml:lang="en-US">Rsm And Related Business [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_RsmAndRelatedBusinessMember_lbl" xml:lang="en-US">Rsm And Related Business [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_RsmAndRelatedBusinessMember_lbl" xml:lang="en-US">RSM And Related Businesses [Member]</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_MortgageMember" xlink:label="hrb_MortgageMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_MortgageMember" xlink:to="hrb_MortgageMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_MortgageMember_lbl" xml:lang="en-US">Mortgage [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_MortgageMember_lbl" xml:lang="en-US">Mortgage [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_MortgageMember_lbl" xml:lang="en-US">Mortgage [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_DisposalGroupIncludingDiscontinuedOperationRevenue" xlink:label="us-gaap_DisposalGroupIncludingDiscontinuedOperationRevenue" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DisposalGroupIncludingDiscontinuedOperationRevenue" xlink:to="us-gaap_DisposalGroupIncludingDiscontinuedOperationRevenue_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DisposalGroupIncludingDiscontinuedOperationRevenue_lbl" xml:lang="en-US">Disposal Group, Including Discontinued Operation, Revenue</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_DisposalGroupIncludingDiscontinuedOperationRevenue_lbl" xml:lang="en-US">Revenues</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_DiscontinuedOperationGainLossFromDisposalOfDiscontinuedOperationBeforeIncomeTax" xlink:label="us-gaap_DiscontinuedOperationGainLossFromDisposalOfDiscontinuedOperationBeforeIncomeTax" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DiscontinuedOperationGainLossFromDisposalOfDiscontinuedOperationBeforeIncomeTax" xlink:to="us-gaap_DiscontinuedOperationGainLossFromDisposalOfDiscontinuedOperationBeforeIncomeTax_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DiscontinuedOperationGainLossFromDisposalOfDiscontinuedOperationBeforeIncomeTax_lbl" xml:lang="en-US">Discontinued Operation, Gain (Loss) from Disposal of Discontinued Operation, before Income Tax</label>
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    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_DisposalGroupIncludingDiscontinuedOperationGrossProfitLoss" xlink:label="us-gaap_DisposalGroupIncludingDiscontinuedOperationGrossProfitLoss" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DisposalGroupIncludingDiscontinuedOperationGrossProfitLoss" xlink:to="us-gaap_DisposalGroupIncludingDiscontinuedOperationGrossProfitLoss_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DisposalGroupIncludingDiscontinuedOperationGrossProfitLoss_lbl" xml:lang="en-US">Disposal Group, Including Discontinued Operation, Gross Profit (Loss)</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_DisposalGroupIncludingDiscontinuedOperationGrossProfitLoss_lbl" xml:lang="en-US">Pretax loss on sales of businesses</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_DisposalGroupIncludingDiscontinuedOperationGrossProfitLoss_lbl" xml:lang="en-US">Pretax income (loss)</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_DisposalGroupNotDiscontinuedOperationGainLossOnDisposal" xlink:label="us-gaap_DisposalGroupNotDiscontinuedOperationGainLossOnDisposal" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DisposalGroupNotDiscontinuedOperationGainLossOnDisposal" xlink:to="us-gaap_DisposalGroupNotDiscontinuedOperationGainLossOnDisposal_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DisposalGroupNotDiscontinuedOperationGainLossOnDisposal_lbl" xml:lang="en-US">Disposal Group, Not Discontinued Operation, Gain (Loss) on Disposal</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_DisposalGroupNotDiscontinuedOperationGainLossOnDisposal_lbl" xml:lang="en-US">Gain on sale of retail tax offices</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_DisposalGroupNotDiscontinuedOperationGainLossOnDisposal_lbl" xml:lang="en-US">Net gain (loss) on sales of businesses</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_DisposalGroupIncludingDiscontinuedOperationOperatingIncomeLoss" xlink:label="us-gaap_DisposalGroupIncludingDiscontinuedOperationOperatingIncomeLoss" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DisposalGroupIncludingDiscontinuedOperationOperatingIncomeLoss" xlink:to="us-gaap_DisposalGroupIncludingDiscontinuedOperationOperatingIncomeLoss_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DisposalGroupIncludingDiscontinuedOperationOperatingIncomeLoss_lbl" xml:lang="en-US">Disposal Group, Including Discontinued Operation, Operating Income (Loss)</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_DisposalGroupIncludingDiscontinuedOperationOperatingIncomeLoss_lbl" xml:lang="en-US">Net income (loss) from discontinued operations</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_ScheduleOfLitigationAndRelatedContingenciesTable" xlink:label="hrb_ScheduleOfLitigationAndRelatedContingenciesTable" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_ScheduleOfLitigationAndRelatedContingenciesTable" xlink:to="hrb_ScheduleOfLitigationAndRelatedContingenciesTable_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_ScheduleOfLitigationAndRelatedContingenciesTable_lbl" xml:lang="en-US">Schedule of Litigation and Related Contingencies [Table]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_ScheduleOfLitigationAndRelatedContingenciesTable_lbl" xml:lang="en-US">Schedule of Litigation and Related Contingencies [Table]</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_InvestigationsLegalClaimsAndLawsuitsMember" xlink:label="hrb_InvestigationsLegalClaimsAndLawsuitsMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_InvestigationsLegalClaimsAndLawsuitsMember" xlink:to="hrb_InvestigationsLegalClaimsAndLawsuitsMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_InvestigationsLegalClaimsAndLawsuitsMember_lbl" xml:lang="en-US">Investigations, Legal Claims and Lawsuits [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_InvestigationsLegalClaimsAndLawsuitsMember_lbl" xml:lang="en-US">Investigations Legal Claims And Lawsuits [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_InvestigationsLegalClaimsAndLawsuitsMember_lbl" xml:lang="en-US">Investigations, Legal Claims And Lawsuits [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_PendingOrThreatenedLitigationMember" xlink:label="us-gaap_PendingOrThreatenedLitigationMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PendingOrThreatenedLitigationMember" xlink:to="us-gaap_PendingOrThreatenedLitigationMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PendingOrThreatenedLitigationMember_lbl" xml:lang="en-US">Pending Or Threatened Litigation [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_PendingOrThreatenedLitigationMember_lbl" xml:lang="en-US">Pending Or Threatened Litigation [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_LossContingenciesLineItems" xlink:label="us-gaap_LossContingenciesLineItems" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LossContingenciesLineItems" xlink:to="us-gaap_LossContingenciesLineItems_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LossContingenciesLineItems_lbl" xml:lang="en-US">Loss Contingencies [Line Items]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_LossContingencyAccrualCarryingValueNoncurrent" xlink:label="us-gaap_LossContingencyAccrualCarryingValueNoncurrent" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LossContingencyAccrualCarryingValueNoncurrent" xlink:to="us-gaap_LossContingencyAccrualCarryingValueNoncurrent_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LossContingencyAccrualCarryingValueNoncurrent_lbl" xml:lang="en-US">Loss Contingency, Accrual Carrying Value, Noncurrent</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_LossContingencyAccrualCarryingValueNoncurrent_lbl" xml:lang="en-US">Litigation obligations accrued</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_LossContingencyAccrualCarryingValueNoncurrent_lbl" xml:lang="en-US">Accrued obligations under indemnifications</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_SeveranceBenefitsClaim" xlink:label="hrb_SeveranceBenefitsClaim" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_SeveranceBenefitsClaim" xlink:to="hrb_SeveranceBenefitsClaim_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_SeveranceBenefitsClaim_lbl" xml:lang="en-US">Severance benefits claim.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_SeveranceBenefitsClaim_lbl" xml:lang="en-US">Severance Benefits Claim</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_SeveranceBenefitsClaim_lbl" xml:lang="en-US">Claims for severance benefits</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_InitialPrincipalAmountOfLoansSecuritized" xlink:label="hrb_InitialPrincipalAmountOfLoansSecuritized" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_InitialPrincipalAmountOfLoansSecuritized" xlink:to="hrb_InitialPrincipalAmountOfLoansSecuritized_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_InitialPrincipalAmountOfLoansSecuritized_lbl" xml:lang="en-US">Initial principal amount of loans securitized.</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_InitialPrincipalAmountOfLoansSecuritized_lbl" xml:lang="en-US">Initial Principal Amount Of Loans Securitized</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_InitialPrincipalAmountOfLoansSecuritized_lbl" xml:lang="en-US">Initial principal on loans securitized</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_PrincipalAmountOutstandingOnLoansSecuritized" xlink:label="us-gaap_PrincipalAmountOutstandingOnLoansSecuritized" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_PrincipalAmountOutstandingOnLoansSecuritized" xlink:to="us-gaap_PrincipalAmountOutstandingOnLoansSecuritized_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_PrincipalAmountOutstandingOnLoansSecuritized_lbl" xml:lang="en-US">Principal outstanding on loans securitized</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_PrincipalAmountOutstandingOnLoansSecuritized_lbl" xml:lang="en-US">Initial principal on loans securitized</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_LossContingencyRangeOfPossibleLossMaximum" xlink:label="us-gaap_LossContingencyRangeOfPossibleLossMaximum" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LossContingencyRangeOfPossibleLossMaximum" xlink:to="us-gaap_LossContingencyRangeOfPossibleLossMaximum_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LossContingencyRangeOfPossibleLossMaximum_lbl" xml:lang="en-US">Loss Contingency, Range of Possible Loss, Maximum</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_LossContingencyRangeOfPossibleLossMaximum_lbl" xml:lang="en-US">Expected payment for settlement of litigation, maximum</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_LitigationSettlementExpense" xlink:label="us-gaap_LitigationSettlementExpense" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LitigationSettlementExpense" xlink:to="us-gaap_LitigationSettlementExpense_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LitigationSettlementExpense_lbl" xml:lang="en-US">Litigation Settlement, Expense</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_LitigationSettlementExpense_lbl" xml:lang="en-US">Investigation settlement amount</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_LitigationSettlementGross" xlink:label="us-gaap_LitigationSettlementGross" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_LitigationSettlementGross" xlink:to="us-gaap_LitigationSettlementGross_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_LitigationSettlementGross_lbl" xml:lang="en-US">Litigation Settlement, Gross</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_LitigationSettlementGross_lbl" xml:lang="en-US">Litigation settlement amount</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable" xlink:label="us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable" xlink:to="us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ScheduleOfSegmentReportingInformationBySegmentTable_lbl" xml:lang="en-US">Schedule of Segment Reporting Information, by Segment [Table]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_SegmentReportingInformationLineItems" xlink:label="us-gaap_SegmentReportingInformationLineItems" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SegmentReportingInformationLineItems" xlink:to="us-gaap_SegmentReportingInformationLineItems_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_SegmentReportingInformationLineItems_lbl" xml:lang="en-US">Segment Reporting Information [Line Items]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_SegmentReportingInformationRevenue" xlink:label="us-gaap_SegmentReportingInformationRevenue" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SegmentReportingInformationRevenue" xlink:to="us-gaap_SegmentReportingInformationRevenue_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_SegmentReportingInformationRevenue_lbl" xml:lang="en-US">Segment Reporting, Segment Revenue</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_SegmentReportingInformationRevenue_lbl" xml:lang="en-US">Revenues:</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_SegmentReportingInformationRevenue_lbl" xml:lang="en-US">Segment Reporting Information, Revenue for Reportable Segment, Total</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_SegmentReportingInformationRevenue_lbl" xml:lang="en-US">Revenues</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ParentCompanyMember" xlink:label="us-gaap_ParentCompanyMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ParentCompanyMember" xlink:to="us-gaap_ParentCompanyMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ParentCompanyMember_lbl" xml:lang="en-US">Parent Company [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ParentCompanyMember_lbl" xml:lang="en-US">H&amp;R Block, Inc. (Guarantor) [Member]</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_BfcIssuerMember" xlink:label="hrb_BfcIssuerMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_BfcIssuerMember" xlink:to="hrb_BfcIssuerMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_BfcIssuerMember_lbl" xml:lang="en-US">BFC (Issuer) [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_BfcIssuerMember_lbl" xml:lang="en-US">Bfc Issuer [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_BfcIssuerMember_lbl" xml:lang="en-US">BFC (Issuer) [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_SubsidiariesMember" xlink:label="us-gaap_SubsidiariesMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_SubsidiariesMember" xlink:to="us-gaap_SubsidiariesMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_SubsidiariesMember_lbl" xml:lang="en-US">Subsidiaries [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_SubsidiariesMember_lbl" xml:lang="en-US">Other Subsidiaries [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_BusinessIntersegmentEliminationsMember" xlink:label="us-gaap_BusinessIntersegmentEliminationsMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_BusinessIntersegmentEliminationsMember" xlink:to="us-gaap_BusinessIntersegmentEliminationsMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_BusinessIntersegmentEliminationsMember_lbl" xml:lang="en-US">Business Intersegment Eliminations [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_BusinessIntersegmentEliminationsMember_lbl" xml:lang="en-US">Eliminations [Member]</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_SellingGeneralAdministrativeAndGoodwillImpairmentExpense" xlink:label="hrb_SellingGeneralAdministrativeAndGoodwillImpairmentExpense" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_SellingGeneralAdministrativeAndGoodwillImpairmentExpense" xlink:to="hrb_SellingGeneralAdministrativeAndGoodwillImpairmentExpense_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_SellingGeneralAdministrativeAndGoodwillImpairmentExpense_lbl" xml:lang="en-US">Selling general administrative and goodwill impairment expense</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_SellingGeneralAdministrativeAndGoodwillImpairmentExpense_lbl" xml:lang="en-US">Selling general administrative and goodwill impairment expense</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_SellingGeneralAdministrativeAndGoodwillImpairmentExpense_lbl" xml:lang="en-US">Selling, general and administrative</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_IntangibleAssetsNet" xlink:label="hrb_IntangibleAssetsNet" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_IntangibleAssetsNet" xlink:to="hrb_IntangibleAssetsNet_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_IntangibleAssetsNet_lbl" xml:lang="en-US">Intangible assets, net</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_IntangibleAssetsNet_lbl" xml:lang="en-US">Intangible assets, net</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_IntangibleAssetsNet_lbl" xml:lang="en-US">Intangible assets and goodwill, net</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_EquityMethodInvestments" xlink:label="us-gaap_EquityMethodInvestments" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_EquityMethodInvestments" xlink:to="us-gaap_EquityMethodInvestments_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_EquityMethodInvestments_lbl" xml:lang="en-US">Equity Method Investments</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_EquityMethodInvestments_lbl" xml:lang="en-US">Investments in subsidiaries</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_AssetsHeldForSaleAtCarryingValue" xlink:label="us-gaap_AssetsHeldForSaleAtCarryingValue" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_AssetsHeldForSaleAtCarryingValue" xlink:to="us-gaap_AssetsHeldForSaleAtCarryingValue_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_AssetsHeldForSaleAtCarryingValue_lbl" xml:lang="en-US">Assets Held-for-sale, at Carrying Value</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_AssetsHeldForSaleAtCarryingValue_lbl" xml:lang="en-US">Assets held for sale</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_AssetsHeldForSaleAtCarryingValue_lbl" xml:lang="en-US">Assets Held-for-sale, at Carrying Value, Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_OtherAssets" xlink:label="us-gaap_OtherAssets" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherAssets" xlink:to="us-gaap_OtherAssets_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OtherAssets_lbl" xml:lang="en-US">Other assets1</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_OtherAssets_lbl" xml:lang="en-US">Other assets</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_OtherAssets_lbl" xml:lang="en-US">Other Assets, Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_DebtAndCapitalLeaseObligations" xlink:label="us-gaap_DebtAndCapitalLeaseObligations" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_DebtAndCapitalLeaseObligations" xlink:to="us-gaap_DebtAndCapitalLeaseObligations_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_DebtAndCapitalLeaseObligations_lbl" xml:lang="en-US">Debt and Capital Lease Obligations</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_DebtAndCapitalLeaseObligations_lbl" xml:lang="en-US">Debt and Capital Lease Obligations, Total</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_DebtAndCapitalLeaseObligations_lbl" xml:lang="en-US">Long-term debt</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_FederalHomeLoanBankAdvances" xlink:label="us-gaap_FederalHomeLoanBankAdvances" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_FederalHomeLoanBankAdvances" xlink:to="us-gaap_FederalHomeLoanBankAdvances_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_FederalHomeLoanBankAdvances_lbl" xml:lang="en-US">Federal Home Loan Bank Advances Total</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_FederalHomeLoanBankAdvances_lbl" xml:lang="en-US">FHLB borrowings</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_FederalHomeLoanBankAdvances_lbl" xml:lang="en-US">FHLB advances, carrying amount</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_OtherLiabilities" xlink:label="us-gaap_OtherLiabilities" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_OtherLiabilities" xlink:to="us-gaap_OtherLiabilities_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_OtherLiabilities_lbl" xml:lang="en-US">Other liabilities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_OtherLiabilities_lbl" xml:lang="en-US">Other Liabilities, Total</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_RelatedPartyTransactionDueFromToRelatedParty" xlink:label="us-gaap_RelatedPartyTransactionDueFromToRelatedParty" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RelatedPartyTransactionDueFromToRelatedParty" xlink:to="us-gaap_RelatedPartyTransactionDueFromToRelatedParty_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_RelatedPartyTransactionDueFromToRelatedParty_lbl" xml:lang="en-US">Related Party Transaction, Due from (to) Related Party</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_RelatedPartyTransactionDueFromToRelatedParty_lbl" xml:lang="en-US">Net intercompany advances</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_RelatedPartyTransactionDueFromToRelatedParty_lbl" xml:lang="en-US">Net intercompany advances</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_RelatedPartyTransactionDueFromToRelatedParty_lbl" xml:lang="en-US">Related Party Transaction, Due from (to) Related Party, Total</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_NetIntercompanyAdvancesInvestingActivities" xlink:label="hrb_NetIntercompanyAdvancesInvestingActivities" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_NetIntercompanyAdvancesInvestingActivities" xlink:to="hrb_NetIntercompanyAdvancesInvestingActivities_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_NetIntercompanyAdvancesInvestingActivities_lbl" xml:lang="en-US">Net Intercompany Advances Investing Activities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_NetIntercompanyAdvancesInvestingActivities_lbl" xml:lang="en-US">Net Intercompany Advances Investing Activities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_NetIntercompanyAdvancesInvestingActivities_lbl" xml:lang="en-US">Net intercompany advances</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_RepaymentsOfShortTermDebt" xlink:label="us-gaap_RepaymentsOfShortTermDebt" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_RepaymentsOfShortTermDebt" xlink:to="us-gaap_RepaymentsOfShortTermDebt_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_RepaymentsOfShortTermDebt_lbl" xml:lang="en-US">Repayments of Short-term Debt</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2009/role/negatedLabel" xlink:label="us-gaap_RepaymentsOfShortTermDebt_lbl" xml:lang="en-US">Repayments of short-term borrowings</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_RepaymentsOfShortTermDebt_lbl" xml:lang="en-US">Repayment of commercial paper</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_RepaymentsOfShortTermDebt_lbl" xml:lang="en-US">Repayments of Short-term Debt, Total</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_RepaymentsOfShortTermDebt_lbl" xml:lang="en-US">Repayments of short-term borrowings</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ProceedsFromShortTermDebt" xlink:label="us-gaap_ProceedsFromShortTermDebt" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ProceedsFromShortTermDebt" xlink:to="us-gaap_ProceedsFromShortTermDebt_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ProceedsFromShortTermDebt_lbl" xml:lang="en-US">Proceeds from Short-term Debt</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_ProceedsFromShortTermDebt_lbl" xml:lang="en-US">Proceeds from other borrowings</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/totalLabel" xlink:label="us-gaap_ProceedsFromShortTermDebt_lbl" xml:lang="en-US">Proceeds from Short-term Debt, Total</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/verboseLabel" xlink:label="us-gaap_ProceedsFromShortTermDebt_lbl" xml:lang="en-US">Proceeds from short-term borrowings</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_NetIntercompanyAdvancesFinancingActivities" xlink:label="hrb_NetIntercompanyAdvancesFinancingActivities" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_NetIntercompanyAdvancesFinancingActivities" xlink:to="hrb_NetIntercompanyAdvancesFinancingActivities_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_NetIntercompanyAdvancesFinancingActivities_lbl" xml:lang="en-US">Net Intercompany Advances Financing Activities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_NetIntercompanyAdvancesFinancingActivities_lbl" xml:lang="en-US">Net Intercompany Advances Financing Activities</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_NetIntercompanyAdvancesFinancingActivities_lbl" xml:lang="en-US">Net intercompany advances</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis" xlink:label="us-gaap_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis" xlink:to="us-gaap_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_ScheduleOfAvailableForSaleSecuritiesMajorTypesOfDebtAndEquitySecuritiesAxis_lbl" xml:lang="en-US">Schedule of Available-for-sale Securities, Major Types of Debt and Equity Securities [Axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain" xlink:label="us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain" xlink:to="us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_lbl" xml:lang="en-US">Major Types Of Debt And Equity Securities [Domain]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_MajorTypesOfDebtAndEquitySecuritiesDomain_lbl" xml:lang="en-US">Major Types of Debt and Equity Securities [Domain]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_MunicipalBondsMember" xlink:label="us-gaap_MunicipalBondsMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_MunicipalBondsMember" xlink:to="us-gaap_MunicipalBondsMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_MunicipalBondsMember_lbl" xml:lang="en-US">Municipal Bonds [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_MunicipalBondsMember_lbl" xml:lang="en-US">Municipal Bonds [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_MortgageBackedSecuritiesMember" xlink:label="us-gaap_MortgageBackedSecuritiesMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_MortgageBackedSecuritiesMember" xlink:to="us-gaap_MortgageBackedSecuritiesMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_MortgageBackedSecuritiesMember_lbl" xml:lang="en-US">Mortgage Backed Securities [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_MortgageBackedSecuritiesMember_lbl" xml:lang="en-US">Mortgage-Backed Securities [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_InvestmentTypeAxis" xlink:label="us-gaap_InvestmentTypeAxis" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InvestmentTypeAxis" xlink:to="us-gaap_InvestmentTypeAxis_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InvestmentTypeAxis_lbl" xml:lang="en-US">Investment Type [Axis]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_InvestmentTypeCategorizationMember" xlink:label="us-gaap_InvestmentTypeCategorizationMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_InvestmentTypeCategorizationMember" xlink:to="us-gaap_InvestmentTypeCategorizationMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_InvestmentTypeCategorizationMember_lbl" xml:lang="en-US">Investment Type Categorization [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_InvestmentTypeCategorizationMember_lbl" xml:lang="en-US">Investment Type Categorization [Domain]</label>
    <loc xlink:type="locator" xlink:href="hrb-20120131.xsd#hrb_TrustPreferredSecurityMember" xlink:label="hrb_TrustPreferredSecurityMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="hrb_TrustPreferredSecurityMember" xlink:to="hrb_TrustPreferredSecurityMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/documentation" xlink:label="hrb_TrustPreferredSecurityMember_lbl" xml:lang="en-US">Trust Preferred Security [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="hrb_TrustPreferredSecurityMember_lbl" xml:lang="en-US">Trust Preferred Security [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="hrb_TrustPreferredSecurityMember_lbl" xml:lang="en-US">Trust Preferred Security [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_EstimateOfFairValueFairValueDisclosureMember" xlink:label="us-gaap_EstimateOfFairValueFairValueDisclosureMember" />
    <labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="us-gaap_EstimateOfFairValueFairValueDisclosureMember" xlink:to="us-gaap_EstimateOfFairValueFairValueDisclosureMember_lbl" />
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label" xlink:label="us-gaap_EstimateOfFairValueFairValueDisclosureMember_lbl" xml:lang="en-US">Estimate Of Fair Value Fair Value Disclosure [Member]</label>
    <label xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel" xlink:label="us-gaap_EstimateOfFairValueFairValueDisclosureMember_lbl" xml:lang="en-US">Total [Member]</label>
    <loc xlink:type="locator" xlink:href="http://xbrl.fasb.org/us-gaap/2011/elts/us-gaap-2011-01-31.xsd#us-gaap_FairValueInputsLevel1Member" xlink:label="us-gaap_FairValueInputsLevel1Member" />
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end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>21
<FILENAME>R39.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
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    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EG4AE">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Loss Per Share And Stockholders' Equity (Narrative) (Details) (USD $)<br>In Millions, except Share data, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="2">3 Months Ended</th>
        <th class="th" colspan="2">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Jan. 31, 2012</div>
        </th>
        <th class="th">
          <div>Jan. 31, 2011</div>
        </th>
        <th class="th">
          <div>Jan. 31, 2012</div>
        </th>
        <th class="th">
          <div>Jan. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_LossPerShareAndStockholdersEquityAbstract', window );"><strong>Loss Per Share And Stockholders' Equity [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount', window );">Diluted earnings per share excludes the impact of shares of common stock issuable, shares</a></td>
        <td class="nump">9,600,000<span></span></td>
        <td class="nump">12,600,000<span></span></td>
        <td class="nump">9,600,000<span></span></td>
        <td class="nump">12,600,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic', window );">Weighted average shares outstanding</a></td>
        <td class="nump">292,963,000<span></span></td>
        <td class="nump">305,144,000<span></span></td>
        <td class="nump">299,450,000<span></span></td>
        <td class="nump">310,546,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockIssuedDuringPeriodSharesNewIssues', window );">Common stock shares issued</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">1,000,000<span></span></td>
        <td class="nump">1,100,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockRepurchasedAndRetiredDuringPeriodShares', window );">Repurchased and retired H&amp;R Block common stock, shares</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">13,000,000<span></span></td>
        <td class="nump">19,000,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockRepurchasedAndRetiredDuringPeriodValue', window );">Retirement of common shares, value</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">$ 177.5<span></span></td>
        <td class="nump">$ 279.9<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockRepurchasedDuringPeriodShares', window );">Purchase of H&amp;R Block common stock, shares</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">200,000<span></span></td>
        <td class="nump">200,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockRepurchasedDuringPeriodValue', window );">Purchase of H&amp;R Block common stock, value</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">3.1<span></span></td>
        <td class="nump">3.5<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod', window );">Awards vesting period (in years)</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">three<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriod', window );">Stock options granted in period</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">2,400,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod', window );">Nonvested shares granted in period</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">1,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_ShareBasedCompensationShareBasedPaymentAwardEquityInstrumentsOptionsGrantsInPeriodWeightedAverageGrantDateFairValue', window );">Weighted average fair value of options granted</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">3.36<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardCompensationCost', window );">Stock-based compensation expense total</a></td>
        <td class="nump">2.0<span></span></td>
        <td class="nump">3.5<span></span></td>
        <td class="nump">11.0<span></span></td>
        <td class="nump">7.3<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_EmployeeServiceShareBasedCompensationUnrecognizedCompensationCostOnStockOptions', window );">Unrecognized compensation cost, options</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">7.5<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized', window );">Unrecognized compensation cost, nonvested shares</a></td>
        <td class="nump">$ 16.5<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">$ 16.5<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Employee Service Share Based Compensation Unrecognized Compensation Cost On Stock Options</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Share Based Compensation Share Based Payment Award Equity Instruments Options Grants In Period Weighted Average Grant Date Fair Value</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Securities (including those issuable pursuant to contingent stock agreements) that could potentially dilute basic earnings per share (EPS) or earnings per unit (EPU) in the future that were not included in the computation of diluted EPS or EPU because to do so would increase EPS or EPU amounts or decrease loss per share or unit amounts for the period presented.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Antidilution<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6505113<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 128<br><br> -Paragraph 171<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 128<br><br> -Paragraph 40<br><br> -Subparagraph c<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 128<br><br> -Paragraph 13, 14<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Emerging Issues Task Force (EITF)<br><br> -Number 07-4<br><br> -Paragraph 4<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Diluted Earnings Per Share<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6510752<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Contingent Stock Agreement<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6508534<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AntidilutiveSecuritiesExcludedFromComputationOfEarningsPerShareAmount</nobr></td>
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                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>As of the balance sheet date, the aggregate unrecognized cost of equity-based awards made to employees under equity-based compensation awards that have yet to vest.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 123R<br><br> -Paragraph A240<br><br> -Subparagraph h<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (i)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_EmployeeServiceShareBasedCompensationNonvestedAwardsTotalCompensationCostNotYetRecognized</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
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                    <td><strong> Balance Type:</strong></td>
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          </td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Description of the period of time over which an employee's right to exercise an award is no longer contingent on satisfaction of either a service condition, market condition or a performance condition, which may be expressed in a variety of ways (for example, in years, month and year).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 123R<br><br> -Paragraph A240<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (a)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardAwardVestingPeriod</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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                    <td><strong> Data Type:</strong></td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Equity-based compensation cost during the period with respect to the award, which will be recognized in income (as well as the total recognized tax benefit) or capitalized as part of the cost of an asset.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 50<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6406099&amp;loc=d3e25284-112666<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (h)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 123R<br><br> -Paragraph 64, 65<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 123R<br><br> -Paragraph A240<br><br> -Subparagraph g(1)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5047-113901<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardCompensationCost</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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            </div>
          </td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The number of grants made during the period on other than stock (or unit) option plans (for example, phantom stock or unit plan, stock or unit appreciation rights plan, performance target plan).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 123R<br><br> -Paragraph A240<br><br> -Subparagraph b(2)(c)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (c)(2)(iii)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardEquityInstrumentsOtherThanOptionsGrantsInPeriod</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriod">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Net number of share options (or share units) granted during the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 123R<br><br> -Paragraph A240<br><br> -Subparagraph b(1)(d)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (c)(1)(iv)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ShareBasedCompensationArrangementByShareBasedPaymentAwardOptionsGrantsInPeriod</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockIssuedDuringPeriodSharesNewIssues">
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Number of new stock issued during the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.3-04)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6959260&amp;loc=d3e187085-122770<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21463-112644<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Principles Board Opinion (APB)<br><br> -Number 12<br><br> -Paragraph 10<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Article 3<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 29, 30<br><br> -Article 5<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_StockIssuedDuringPeriodSharesNewIssues</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockRepurchasedAndRetiredDuringPeriodShares">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Number of shares that have been repurchased and retired during the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21463-112644<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Principles Board Opinion (APB)<br><br> -Number 12<br><br> -Paragraph 10<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Article 3<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 29, 30<br><br> -Article 5<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_StockRepurchasedAndRetiredDuringPeriodShares</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockRepurchasedAndRetiredDuringPeriodValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Equity impact of the value of stock that has been repurchased and retired during the period. The excess of the purchase price over par value can be charged against retained earnings (once the excess is fully allocated to additional paid in capital).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21463-112644<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Principles Board Opinion (APB)<br><br> -Number 12<br><br> -Paragraph 10<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Article 3<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 29, 30, 31<br><br> -Article 5<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_StockRepurchasedAndRetiredDuringPeriodValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockRepurchasedDuringPeriodShares">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Number of shares that have been repurchased during the period and have not been retired and are not held in treasury. Some state laws may govern the circumstances under which an entity may acquire its own stock and prescribe the accounting treatment therefore. This element is used when state law does not recognize treasury stock.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 29, 30<br><br> -Article 5<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21463-112644<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Principles Board Opinion (APB)<br><br> -Number 12<br><br> -Paragraph 10<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Article 3<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 43<br><br> -Chapter 1<br><br> -Section B<br><br> -Paragraph 11A<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_StockRepurchasedDuringPeriodShares</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockRepurchasedDuringPeriodValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Equity impact of the value of stock that has been repurchased during the period and has not been retired and is not held in treasury. Some state laws may mandate the circumstances under which an entity may acquire its own stock and prescribe the accounting treatment therefore. This element is used when state law does not recognize treasury stock.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 29, 30, 31<br><br> -Article 5<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21463-112644<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Principles Board Opinion (APB)<br><br> -Number 12<br><br> -Paragraph 10<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Article 3<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 43<br><br> -Chapter 1<br><br> -Section B<br><br> -Paragraph 11A<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_StockRepurchasedDuringPeriodValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Number of [basic] shares or units, after adjustment for contingently issuable shares or units and other shares or units not deemed outstanding, determined by relating the portion of time within a reporting period that common shares or units have been outstanding to the total time in that period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 10<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920599&amp;loc=d3e1448-109256<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 128<br><br> -Paragraph 171<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Weighted-Average Number of Common Shares Outstanding<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6528421<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 128<br><br> -Paragraph 40<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 128<br><br> -Paragraph 8<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Emerging Issues Task Force (EITF)<br><br> -Number 07-4<br><br> -Paragraph 4<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_WeightedAverageNumberOfSharesOutstandingBasic</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
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        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>Mortgage Loans Held For Investment And Related Assets (Schedule Of Non-Accrual Loans) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Jan. 31, 2012</div>
        </th>
        <th class="th">
          <div>Apr. 30, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems', window );"><strong>Mortgage Loans Held For Investment And Related Assets [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_LoansReceivableRecordedInvestmentNonaccrualStatus', window );">Loans receivable recorded investment non-accrual status</a></td>
        <td class="nump">$ 166,136<span></span></td>
        <td class="nump">$ 157,464<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsRecordedInvestment', window );">Financing receivable modifications to recorded investments</a></td>
        <td class="nump">7,011<span></span></td>
        <td class="nump">3,178<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus', window );">Total non-accrual loans</a></td>
        <td class="nump">173,147<span></span></td>
        <td class="nump">160,642<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Purchased From SCC [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems', window );"><strong>Mortgage Loans Held For Investment And Related Assets [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_LoansReceivableRecordedInvestmentNonaccrualStatus', window );">Loans receivable recorded investment non-accrual status</a></td>
        <td class="nump">142,853<span></span></td>
        <td class="nump">143,358<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsRecordedInvestment', window );">Financing receivable modifications to recorded investments</a></td>
        <td class="nump">5,729<span></span></td>
        <td class="nump">2,849<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">All Other [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems', window );"><strong>Mortgage Loans Held For Investment And Related Assets [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_LoansReceivableRecordedInvestmentNonaccrualStatus', window );">Loans receivable recorded investment non-accrual status</a></td>
        <td class="nump">23,283<span></span></td>
        <td class="nump">14,106<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancingReceivableModificationsRecordedInvestment', window );">Financing receivable modifications to recorded investments</a></td>
        <td class="nump">$ 1,282<span></span></td>
        <td class="nump">$ 329<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
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        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Loans receivable recorded investment nonaccrual status</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_LoansReceivableRecordedInvestmentNonaccrualStatus</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>hrb_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems</nobr></td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableModificationsRecordedInvestment">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of the outstanding recorded investment related to financing receivables that have been modified by troubled debt restructurings.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 32<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6965416&amp;loc=SL6953670-111524<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 33<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6965416&amp;loc=SL6953676-111524<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 40<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6951948&amp;loc=d3e18845-111554<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinancingReceivableModificationsRecordedInvestment</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                    <td>instant</td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus">
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Recorded investment in financing receivables that are on nonaccrual status as of the balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 7<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6965416&amp;loc=d3e5111-111524<br><br> -Subparagraph (d)<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FinancingReceivableRecordedInvestmentNonaccrualStatus</nobr></td>
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                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0E3MAE">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>Mortgage Loans Held For Investment And Related Assets (Schedule Of Mortgage Loan Portfolio) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Jan. 31, 2012</div>
        </th>
        <th class="th">
          <div>Apr. 30, 2011</div>
        </th>
        <th class="th">
          <div>Jan. 31, 2011</div>
        </th>
        <th class="th">
          <div>Apr. 30, 2010</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsAbstract', window );"><strong>Mortgage Loans Held For Investment And Related Assets [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansReceivableWithVariableRatesOfInterest', window );">Adjustable-rate loans</a></td>
        <td class="nump">$ 297,375<span></span></td>
        <td class="nump">$ 333,828<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_AdjustableRateLoansToTotalLoans', window );">Adjustable-rate loans, percent of total loans</a></td>
        <td class="nump">58.00%<span></span></td>
        <td class="nump">58.00%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansReceivableWithFixedRatesOfInterest', window );">Fixed-rate loans</a></td>
        <td class="nump">219,134<span></span></td>
        <td class="nump">239,146<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_FixedRateLoansToTotalLoans', window );">Fixed-rate loans, percent of total loans</a></td>
        <td class="nump">42.00%<span></span></td>
        <td class="nump">42.00%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Total loans</a></td>
        <td class="nump">516,509<span></span></td>
        <td class="nump">572,974<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_TotalLoansToTotalLoans', window );">Total loans, percent of total loans</a></td>
        <td class="nump">100.00%<span></span></td>
        <td class="nump">100.00%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_UnamortizedLoanCommitmentAndOriginationFeesAndUnamortizedDiscountsOrPremiums', window );">Unamortized deferred fees and costs</a></td>
        <td class="nump">3,629<span></span></td>
        <td class="nump">4,121<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Less: Allowance for loan losses</a></td>
        <td class="num">(89,949)<span></span></td>
        <td class="num">(92,087)<span></span></td>
        <td class="num">(87,876)<span></span></td>
        <td class="num">(93,535)<span></span></td>
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      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetReportedAmount', window );">Total</a></td>
        <td class="nump">$ 430,189<span></span></td>
        <td class="nump">$ 485,008<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
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    <div style="display: none;">
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        <tr>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Adjustable Rate Loans To Total Loans</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Fixed Rate Loans To Total Loans</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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        </tr>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Total Loans To Total Loans</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_TotalLoansToTotalLoans</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>hrb_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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              </div>
            </div>
          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableAllowance">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The allowance for loan and lease losses represents the reserve to cover probable credit losses related to specifically identified loans and leases, as well as probable credit losses inherent in the remainder of the loan portfolio as of the balance sheet date. For banks, include currently required allocated transfer risk reserves. Include carryover of or adjustments to the allowance for loan losses in connection with business combinations determined to be appropriate.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher OTS<br><br> -Name Federal Regulation (FR)<br><br> -Number Title 12<br><br> -Chapter V<br><br> -Section 563c.102<br><br> -Paragraph 8<br><br> -Subparagraph a(ii)<br><br> -Subsection I<br><br> -LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy.  It will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Staff Accounting Bulletin (SAB)<br><br> -Number Topic 6<br><br> -Section L<br><br> -Subsection 1<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 114<br><br> -Paragraph 20<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.7(d))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 9<br><br> -Section 03<br><br> -Paragraph 7<br><br> -Subparagraph d<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 5<br><br> -Paragraph 8, 9<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 30<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (b)(1)(ii)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6379141&amp;loc=d3e15032-111544<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoansAndLeasesReceivableAllowance</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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                </table>
              </div>
            </div>
          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Reflects the aggregate gross carrying amount of all categories of loans and leases held in portfolio, prior to deducting deferred income and the allowance for losses on loans and leases.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Statement of Position (SOP)<br><br> -Number 01-6<br><br> -Paragraph 13<br><br> -Subparagraph e<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6375948&amp;loc=d3e4428-111522<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoansAndLeasesReceivableGrossCarryingAmount</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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            </div>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableNetReportedAmount">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Reflects the aggregate carrying amount of all categories of loans and leases held in portfolio, net of unearned income and the allowance for losses on loans and leases.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Statement of Position (SOP)<br><br> -Number 01-6<br><br> -Paragraph 13<br><br> -Subparagraph e<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6375948&amp;loc=d3e4428-111522<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.7)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoansAndLeasesReceivableNetReportedAmount</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Reflects the carrying amount of loans charging borrowers fixed rates of interest.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoansReceivableWithFixedRatesOfInterest</nobr></td>
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                    <td>us-gaap_</td>
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        <tr>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Reflects the carrying amount of loans charging borrowers variable, or adjustable, rates of interest.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
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                    <td><nobr>us-gaap_LoansReceivableWithVariableRatesOfInterest</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td>instant</td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_UnamortizedLoanCommitmentAndOriginationFeesAndUnamortizedDiscountsOrPremiums">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Reflects the cumulative amount of fees paid by borrowers which have not yet been taken into income and unamortized costs incurred to originate loans and leases, unamortized loan commitments and loan syndication fees, and premiums over or discounts from face amounts of loans that are being amortized into income as an adjustment to yield.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 91<br><br> -Paragraph 21<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 20<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6378536&amp;loc=d3e10092-111533<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_UnamortizedLoanCommitmentAndOriginationFeesAndUnamortizedDiscountsOrPremiums</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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          <div style="width: 200px;"><strong>Interest Income And Expense (Schedule Of Interest Income And Expense Of Continuing Operations) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
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        <th class="th" colspan="2">3 Months Ended</th>
        <th class="th" colspan="2">9 Months Ended</th>
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      <tr>
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          <div>Jan. 31, 2012</div>
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        <th class="th">
          <div>Jan. 31, 2011</div>
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          <div>Jan. 31, 2012</div>
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          <div>Jan. 31, 2011</div>
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        <td class="nump">$ 39,476<span></span></td>
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        <td class="nump">$ 59,737<span></span></td>
        <td class="nump">$ 76,666<span></span></td>
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        <td class="nump">23,543<span></span></td>
        <td class="nump">24,662<span></span></td>
        <td class="nump">69,352<span></span></td>
        <td class="nump">70,549<span></span></td>
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        <td class="text">&#xA0;<span></span></td>
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        <td class="nump">30,062<span></span></td>
        <td class="nump">46,132<span></span></td>
        <td class="nump">30,297<span></span></td>
        <td class="nump">47,590<span></span></td>
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        <td class="text">&#xA0;<span></span></td>
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        <td class="nump">15,760<span></span></td>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="nump">4,466<span></span></td>
        <td class="nump">3,957<span></span></td>
        <td class="nump">13,680<span></span></td>
        <td class="nump">10,305<span></span></td>
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          <div class="a">Borrowings [Member]</div>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="nump">21,382<span></span></td>
        <td class="nump">21,678<span></span></td>
        <td class="nump">63,625<span></span></td>
        <td class="nump">62,903<span></span></td>
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          <div class="a">Deposits [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_ScheduleOfInterestIncomeAndExpenseLineItems', window );"><strong>Schedule Of Interest Income And Expense [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpense', window );">Interest expense</a></td>
        <td class="nump">2,011<span></span></td>
        <td class="nump">2,587<span></span></td>
        <td class="nump">5,275<span></span></td>
        <td class="nump">6,457<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">FHLB Advances [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_ScheduleOfInterestIncomeAndExpenseLineItems', window );"><strong>Schedule Of Interest Income And Expense [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpense', window );">Interest expense</a></td>
        <td class="nump">$ 150<span></span></td>
        <td class="nump">$ 397<span></span></td>
        <td class="nump">$ 452<span></span></td>
        <td class="nump">$ 1,189<span></span></td>
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                <p>The cost of borrowed funds accounted for as interest that was charged against earnings during the period.</p>
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                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 835<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6450988&amp;loc=d3e26243-108391<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.9)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 34<br><br> -Paragraph 21<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 9<br><br> -Article 9<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher OTS<br><br> -Name Federal Regulation (FR)<br><br> -Number Title 12<br><br> -Chapter V<br><br> -Section 563c.102<br><br> -Paragraph 9<br><br> -Subsection II<br><br> -LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy.  It will be removed from future versions of this taxonomy.<br><br><br><br></p>
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                <p>Interest generated from day to day operating activities of the business.  This element represents a revenue generating activity and is therefore gross (before any related cost of revenue items).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.1(e))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0ES3AG">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>Mortgage Loans Held For Investment And Related Assets (Information Related To Impaired Loans) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Jan. 31, 2012</div>
        </th>
        <th class="th" colspan="2">
          <div>Apr. 30, 2011</div>
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      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems', window );"><strong>Mortgage Loans Held For Investment And Related Assets [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance', window );">Portfolio Balance</a></td>
        <td class="nump">$ 255,593<span></span></td>
        <td class="nump">$ 268,649<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Related Allowance</a></td>
        <td class="nump">80,482<span></span></td>
        <td class="nump">80,849<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
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      <tr class="rh">
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          <div class="a">Purchased From SCC [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems', window );"><strong>Mortgage Loans Held For Investment And Related Assets [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance', window );">Portfolio Balance</a></td>
        <td class="nump">220,448<span></span></td>
        <td class="nump">232,061<span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Related Allowance</a></td>
        <td class="nump">71,084<span></span></td>
        <td class="nump">71,733<span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
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      <tr class="rh">
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          <div class="a">All Other [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems', window );"><strong>Mortgage Loans Held For Investment And Related Assets [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance', window );">Portfolio Balance</a></td>
        <td class="nump">35,145<span></span></td>
        <td class="nump">36,588<span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance', window );">Related Allowance</a></td>
        <td class="nump">9,398<span></span></td>
        <td class="nump">9,116<span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
      </tr>
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          <div class="a">Portfolio Balance With No Allowance [Member]</div>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems', window );"><strong>Mortgage Loans Held For Investment And Related Assets [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
      </tr>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance', window );">Portfolio Balance</a></td>
        <td class="nump">50,427<span></span></td>
        <td class="nump">59,235<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Portfolio Balance With No Allowance [Member] | Purchased From SCC [Member]</div>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems', window );"><strong>Mortgage Loans Held For Investment And Related Assets [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
      </tr>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance', window );">Portfolio Balance</a></td>
        <td class="nump">40,672<span></span></td>
        <td class="nump">51,674<span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
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      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Portfolio Balance With No Allowance [Member] | All Other [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
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      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems', window );"><strong>Mortgage Loans Held For Investment And Related Assets [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance', window );">Portfolio Balance</a></td>
        <td class="nump">9,755<span></span></td>
        <td class="nump">7,561<span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
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      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Portfolio Balance With Allowance [Member]</div>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems', window );"><strong>Mortgage Loans Held For Investment And Related Assets [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance', window );">Portfolio Balance</a></td>
        <td class="nump">205,166<span></span></td>
        <td class="nump">209,414<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Portfolio Balance With Allowance [Member] | Purchased From SCC [Member]</div>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems', window );"><strong>Mortgage Loans Held For Investment And Related Assets [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance', window );">Portfolio Balance</a></td>
        <td class="nump">179,776<span></span></td>
        <td class="nump">180,387<span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Portfolio Balance With Allowance [Member] | All Other [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems', window );"><strong>Mortgage Loans Held For Investment And Related Assets [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance', window );">Portfolio Balance</a></td>
        <td class="nump">$ 25,390<span></span></td>
        <td class="nump">$ 29,027<span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
      </tr>
      <tr>
        <td colspan="4"></td>
      </tr>
      <tr>
        <td colspan="4">
          <table class="outerFootnotes" width="100%">
            <tr class="outerFootnote">
              <td style="vertical-align: top;" valign="top">[1]</td>
              <td style="vertical-align: top;" valign="top">Classification of amounts as of April 30, 2011 has been restated to conform to the current period presentation. </td>
            </tr>
          </table>
        </td>
      </tr>
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        <tr>
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        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>hrb_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ImpairedFinancingReceivableRelatedAllowance">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of allowance for credit losses related to recorded investment.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 15<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6965416&amp;loc=d3e5212-111524<br><br> -Subparagraph (a)(3)<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ImpairedFinancingReceivableRelatedAllowance</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
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          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The unpaid principal balance related to impaired financing receivables.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 15<br><br> -Subparagraph (a)(4)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6965416&amp;loc=d3e5212-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ImpairedFinancingReceivableUnpaidPrincipalBalance</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                  <tr>
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                    <td>instant</td>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>26
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<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EOHAC">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Discontinued Operations (Narrative) (Details) (USD $)<br></strong></div>
        </th>
        <th class="th" colspan="1">3 Months Ended</th>
        <th class="th" colspan="1">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Jan. 31, 2012</div>
        </th>
        <th class="th">
          <div>Jan. 31, 2012</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DiscontinuedOperationTaxEffectOfIncomeLossFromDisposalOfDiscontinuedOperation', window );">Net income tax expense (benefit)</a></td>
        <td class="num">$ (20,260,000)<span></span></td>
        <td class="num">$ (59,969,000)<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">RSM EquiCo, Inc. [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_DisposalGroupIncludingDiscontinuedOperationEstimatedAggregateFairValue', window );">Estimated aggregate fair value</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">6,000,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DiscontinuedOperationTaxEffectOfIncomeLossFromDisposalOfDiscontinuedOperation', window );">Net income tax expense (benefit)</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">$ 20,500,000<span></span></td>
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    </table>
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        <tr>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Disposal group including discontinued operation estimated aggregate fair value</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_DisposalGroupIncludingDiscontinuedOperationEstimatedAggregateFairValue</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>hrb_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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          </td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DiscontinuedOperationTaxEffectOfIncomeLossFromDisposalOfDiscontinuedOperation">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tax expense or benefit on the gain (loss), not previously recognized and resulting from the sale of a business component, which is recognized at the date of sale. A gain (loss) reflects the amount by which the consideration received exceeds (is exceeded by) the net carrying amount (reflecting previous provisions for loss on disposal, if any) of the disposal group.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 205<br><br> -SubTopic 20<br><br> -Section 45<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6892542&amp;loc=d3e957-107759<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 20<br><br> -Section 45<br><br> -Paragraph 2<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6909487&amp;loc=d3e38679-109324<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 144<br><br> -Paragraph 43<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 10<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32672-109319<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 144<br><br> -Paragraph 47<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 205<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6360339&amp;loc=d3e1361-107760<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DiscontinuedOperationTaxEffectOfIncomeLossFromDisposalOfDiscontinuedOperation</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                    <td>duration</td>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>27
<FILENAME>R46.htm
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<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EXKAG">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Receivables (Schedule Of Activity In The Allowance For Doubtful Accounts) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="2">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Jan. 31, 2012</div>
        </th>
        <th class="th">
          <div>Jan. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PremiumsReceivableAllowanceForDoubtfulAccounts', window );">Beginning balance</a></td>
        <td class="nump">$ 47,943<span></span></td>
        <td class="nump">$ 91,157<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PremiumsReceivableAllowanceForDoubtfulAccountsProvisionChargedToExpense', window );">Provision</a></td>
        <td class="nump">50,632<span></span></td>
        <td class="nump">94,288<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PremiumsReceivableAllowanceForDoubtfulAccountsWriteOffsAgainstAllowance', window );">Charge-offs</a></td>
        <td class="num">(34,436)<span></span></td>
        <td class="num">(82,608)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PremiumsReceivableAllowanceForDoubtfulAccounts', window );">Ending balance</a></td>
        <td class="nump">64,139<span></span></td>
        <td class="nump">102,837<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Emerald Advance Lines Of Credit [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PremiumsReceivableAllowanceForDoubtfulAccounts', window );">Beginning balance</a></td>
        <td class="nump">4,400<span></span></td>
        <td class="nump">35,239<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PremiumsReceivableAllowanceForDoubtfulAccountsProvisionChargedToExpense', window );">Provision</a></td>
        <td class="nump">33,570<span></span></td>
        <td class="nump">71,325<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PremiumsReceivableAllowanceForDoubtfulAccountsWriteOffsAgainstAllowance', window );">Charge-offs</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(32,919)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PremiumsReceivableAllowanceForDoubtfulAccounts', window );">Ending balance</a></td>
        <td class="nump">37,970<span></span></td>
        <td class="nump">73,645<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Tax Client Receivables - RALs [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PremiumsReceivableAllowanceForDoubtfulAccounts', window );">Beginning balance</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">12,191<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PremiumsReceivableAllowanceForDoubtfulAccountsProvisionChargedToExpense', window );">Provision</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">2<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PremiumsReceivableAllowanceForDoubtfulAccountsWriteOffsAgainstAllowance', window );">Charge-offs</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(12,193)<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Loans To Franchisees [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PremiumsReceivableAllowanceForDoubtfulAccounts', window );">Beginning balance</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">4<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PremiumsReceivableAllowanceForDoubtfulAccountsWriteOffsAgainstAllowance', window );">Charge-offs</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(4)<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">All Other Receivables [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PremiumsReceivableAllowanceForDoubtfulAccounts', window );">Beginning balance</a></td>
        <td class="nump">43,543<span></span></td>
        <td class="nump">43,723<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PremiumsReceivableAllowanceForDoubtfulAccountsProvisionChargedToExpense', window );">Provision</a></td>
        <td class="nump">17,062<span></span></td>
        <td class="nump">22,961<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PremiumsReceivableAllowanceForDoubtfulAccountsWriteOffsAgainstAllowance', window );">Charge-offs</a></td>
        <td class="num">(34,436)<span></span></td>
        <td class="num">(37,492)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PremiumsReceivableAllowanceForDoubtfulAccounts', window );">Ending balance</a></td>
        <td class="nump">$ 26,169<span></span></td>
        <td class="nump">$ 29,192<span></span></td>
      </tr>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
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                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AccountsNotesAndLoansReceivableLineItems</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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                    <td><strong> Data Type:</strong></td>
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                    <td>duration</td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The carrying value as of the balance sheet date of the estimated valuation allowance to reduce gross premiums receivable to net realizable value.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6965416&amp;loc=d3e5074-111524<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 114<br><br> -Paragraph 20<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Statement of Position (SOP)<br><br> -Number 01-6<br><br> -Paragraph 13<br><br> -Subparagraph e<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 5<br><br> -Paragraph 9<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 4<br><br> -Subparagraph (SX 210.12-09)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6881521&amp;loc=d3e24092-122690<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 09<br><br> -Article 12<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 7<br><br> -Section 03<br><br> -Paragraph 5<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-03.5)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879938&amp;loc=d3e572229-122910<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PremiumsReceivableAllowanceForDoubtfulAccounts</nobr></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount charged against earnings during the period to provide for known and estimated losses on collections of premiums receivable.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 114<br><br> -Paragraph 20<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 09<br><br> -Article 12<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 4<br><br> -Subparagraph (SX 210.12-09)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6881521&amp;loc=d3e24092-122690<br><br><br><br></p>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of decrease during the period to the valuation allowance account representing portions of such account associated with premium receivables that have been determined to be absolutely uncollectible or that were sold or transferred, and which receivables were simultaneously written off.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 114<br><br> -Paragraph 20<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 09<br><br> -Article 12<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 4<br><br> -Subparagraph (SX 210.12-09)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6881521&amp;loc=d3e24092-122690<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Regulatory Requirements (Tables)<br></strong></div>
        </th>
        <th class="th" colspan="1">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Jan. 31, 2012</div>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_RegulatoryRequirementsAbstract', window );"><strong>Regulatory Requirements [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_HrbBankSRegulatoryCapitalRequirementsTextBlock', window );">HRB Bank's Regulatory Capital Requirements</a></td>
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<p style="margin-top: 0px; margin-bottom: 0px; font-size: 12px;">&nbsp;</p>

<div>

<table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center">
<tr><td style="width: 48%;"> </td>
<td style="width: 47pt;"> </td>
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<td style="width: 30pt;"> </td>
<td style="width: 42pt;"> </td>
<td style="width: 62pt;"> </td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">(dollars&nbsp;in&nbsp;000s)</font> </td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">To Be Well Capitalized</font></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">For&nbsp;Capital&nbsp;Adequacy</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Under Prompt Corrective</font></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Actual</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Purposes</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Action Provisions</font> </td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Amount</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Ratio</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Amount</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Ratio</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Amount</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Ratio</font> </td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">As of December&nbsp;31, 2011:</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Total risk-based capital ratio </font><font style="font-family: Times New Roman;" class="_mt" size="1"><sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;">(1)</sup></font><font style="font-family: Times New Roman;" class="_mt" size="2"> </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 411,163 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">48.8 %</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 67,407 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">8.0 %</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 84,258 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">10.0 %</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Tier 1 risk-based capital ratio </font><font style="font-family: Times New Roman;" class="_mt" size="1"><sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;">(2)</sup></font><font style="font-family: Times New Roman;" class="_mt" size="2"> </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 400,438 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">47.5 %</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">N/A </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">N/A </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 50,555 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">6.0 %</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Tier 1 capital ratio (leverage) </font><font style="font-family: Times New Roman;" class="_mt" size="1"><sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;">(3)</sup></font><font style="font-family: Times New Roman;" class="_mt" size="2"> </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 400,438 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">25.6 %</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 187,642 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">12.0 %</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 78,184 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">5.0 %</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Tangible equity ratio </font><font style="font-family: Times New Roman;" class="_mt" size="1"><sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;">(4)</sup></font><font style="font-family: Times New Roman;" class="_mt" size="2"> </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 400,438 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">25.6 %</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 23,455 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1.5 %</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">N/A </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">N/A </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">As of March&nbsp;31, 2011:</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Total risk-based capital ratio </font><font style="font-family: Times New Roman;" class="_mt" size="1"><sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;">(1)</sup></font><font style="font-family: Times New Roman;" class="_mt" size="2"> </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 405,000 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">92.5 %</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 35,019 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">8.0 %</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 43,773 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">10.0 %</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Tier 1 risk-based capital ratio </font><font style="font-family: Times New Roman;" class="_mt" size="1"><sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;">(2)</sup></font><font style="font-family: Times New Roman;" class="_mt" size="2"> </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 399,187 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">91.2 %</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">N/A </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">N/A </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 26,264 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">6.0 %</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Tier 1 capital ratio (leverage) </font><font style="font-family: Times New Roman;" class="_mt" size="1"><sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;">(3) </sup></font><font style="font-family: Times New Roman;" class="_mt" size="2"> </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 399,187 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">22.8 %</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 209,758 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">12.0 %</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 87,399 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">5.0 %</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Tangible equity ratio </font><font style="font-family: Times New Roman;" class="_mt" size="1"><sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;">(4)</sup></font><font style="font-family: Times New Roman;" class="_mt" size="2"> </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 399,187 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">22.8 %</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 26,220 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1.5 %</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">N/A </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">N/A </font></p></td></tr></table>

<p style="padding-bottom: 0px; margin-top: 0px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2"> </font><font style="font-family: Times New Roman;" class="_mt" size="1"><sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;"> </sup></font>&nbsp;</p>

<p style="padding-bottom: 0px; margin-top: 0px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="1"><sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;">(1)</sup>&nbsp;</font><font style="font-family: Times New Roman;" class="_mt" size="2"><font class="_mt"><font style="font-family: Times New Roman;" class="_mt" size="2">Total risk-based capital divided by risk-weighted assets.</font></font> </font></p>

<p style="padding-bottom: 0px; margin-top: 0px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2"> </font><font style="font-family: Times New Roman;" class="_mt" size="1"><sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;">(2)</sup>&nbsp;</font><font style="font-family: Times New Roman;" class="_mt" size="2"><font class="_mt"><font style="font-family: Times New Roman;" class="_mt" size="2">Tier 1 (core) capital less deduction for low-level recourse and residual interest divided by risk-weighted assets.</font></font> </font></p>

<p style="padding-bottom: 0px; margin-top: 0px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2"> </font><font style="font-family: Times New Roman;" class="_mt" size="1"><sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;">(3)</sup> </font><font class="_mt"><font class="_mt"><font style="font-family: Times New Roman;" class="_mt" size="2">Tier 1 (core) capital divided by adjusted total assets.</font></font></font></p>

<p style="padding-bottom: 0px; margin-top: 0px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="1"><sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;">(4)</sup> </font><font class="_mt"><font style="font-family: Times New Roman;" class="_mt" size="2">Tangible capital divided by tangible assets. </font></font></p></div></div> </div><span></span></td>
      </tr>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EH2AE">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Discontinued Operations (Income (Loss) From Discontinued Operations) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="2">3 Months Ended</th>
        <th class="th" colspan="2">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Jan. 31, 2012</div>
        </th>
        <th class="th">
          <div>Jan. 31, 2011</div>
        </th>
        <th class="th">
          <div>Jan. 31, 2012</div>
        </th>
        <th class="th">
          <div>Jan. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DisposalGroupIncludingDiscontinuedOperationRevenue', window );">Revenues</a></td>
        <td class="nump">$ 50,508<span></span></td>
        <td class="nump">$ 171,071<span></span></td>
        <td class="nump">$ 416,436<span></span></td>
        <td class="nump">$ 549,180<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DiscontinuedOperationGainLossFromDisposalOfDiscontinuedOperationBeforeIncomeTax', window );">Pretax income (loss) from operations</a></td>
        <td class="num">(26,268)<span></span></td>
        <td class="num">(2,224)<span></span></td>
        <td class="num">(35,188)<span></span></td>
        <td class="num">(1,897)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefitContinuingOperationsDiscontinuedOperationsExtraordinaryItems', window );">Income taxes (benefit)</a></td>
        <td class="num">(6,462)<span></span></td>
        <td class="num">(537)<span></span></td>
        <td class="num">(10,268)<span></span></td>
        <td class="nump">268<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DiscontinuedOperationIncomeLossFromDiscontinuedOperationBeforeIncomeTax', window );">Net income (loss) from operations</a></td>
        <td class="num">(19,806)<span></span></td>
        <td class="num">(1,687)<span></span></td>
        <td class="num">(24,920)<span></span></td>
        <td class="num">(2,165)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DisposalGroupIncludingDiscontinuedOperationGrossProfitLoss', window );">Pretax loss on sales of businesses</a></td>
        <td class="num">(236)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(109,485)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DiscontinuedOperationTaxEffectOfIncomeLossFromDisposalOfDiscontinuedOperation', window );">Income tax benefit</a></td>
        <td class="num">(20,260)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(59,969)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DisposalGroupNotDiscontinuedOperationGainLossOnDisposal', window );">Net gain (loss) on sales of businesses</a></td>
        <td class="nump">20,024<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(49,519)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DisposalGroupIncludingDiscontinuedOperationOperatingIncomeLoss', window );">Net income (loss) from discontinued operations</a></td>
        <td class="nump">218<span></span></td>
        <td class="num">(1,687)<span></span></td>
        <td class="num">(74,436)<span></span></td>
        <td class="num">(2,165)<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">RSM And Related Businesses [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DiscontinuedOperationGainLossFromDisposalOfDiscontinuedOperationBeforeIncomeTax', window );">Pretax income (loss) from operations</a></td>
        <td class="nump">1,117<span></span></td>
        <td class="nump">8,327<span></span></td>
        <td class="nump">18,831<span></span></td>
        <td class="nump">15,228<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Mortgage [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DiscontinuedOperationGainLossFromDisposalOfDiscontinuedOperationBeforeIncomeTax', window );">Pretax income (loss) from operations</a></td>
        <td class="num">$ (27,385)<span></span></td>
        <td class="num">$ (10,551)<span></span></td>
        <td class="num">$ (54,019)<span></span></td>
        <td class="num">$ (17,125)<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Pretax gain (loss), not previously recognized and resulting from the sale of a business component, which is recognized at the date of sale. A gain (loss) reflects the amount by which the consideration received exceeds (is exceeded by) the net carrying amount (reflecting previous provisions for loss on disposal, if any) of the disposal group.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 205<br><br> -SubTopic 20<br><br> -Section 45<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6892542&amp;loc=d3e957-107759<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 144<br><br> -Paragraph 43<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 144<br><br> -Paragraph 47<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 205<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6360339&amp;loc=d3e1361-107760<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DiscontinuedOperationGainLossFromDisposalOfDiscontinuedOperationBeforeIncomeTax</nobr></td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Overall income (loss) from a disposal group that is classified as a component of the entity, before income tax, reported as a separate component of income before extraordinary items. Includes the following (before income tax): income (loss) from operations during the phase-out period, gain (loss) on disposal, provision (or any reversals of earlier provisions) for loss on disposal, and adjustments of a prior period gain (loss) on disposal.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 05<br><br> -Paragraph 15<br><br> -Article 3<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 205<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6360339&amp;loc=d3e1361-107760<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 144<br><br> -Paragraph 43<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 205<br><br> -SubTopic 20<br><br> -Section 45<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6892542&amp;loc=d3e957-107759<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 144<br><br> -Paragraph 47<br><br> -Subparagraph c<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 13<br><br> -Article 7<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.12)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DiscontinuedOperationIncomeLossFromDiscontinuedOperationBeforeIncomeTax</nobr></td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tax expense or benefit on the gain (loss), not previously recognized and resulting from the sale of a business component, which is recognized at the date of sale. A gain (loss) reflects the amount by which the consideration received exceeds (is exceeded by) the net carrying amount (reflecting previous provisions for loss on disposal, if any) of the disposal group.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 205<br><br> -SubTopic 20<br><br> -Section 45<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6892542&amp;loc=d3e957-107759<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 20<br><br> -Section 45<br><br> -Paragraph 2<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6909487&amp;loc=d3e38679-109324<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 144<br><br> -Paragraph 43<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 10<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32672-109319<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 144<br><br> -Paragraph 47<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 205<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6360339&amp;loc=d3e1361-107760<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DiscontinuedOperationTaxEffectOfIncomeLossFromDisposalOfDiscontinuedOperation</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of gross profit attributable to the disposal group, including a component of the entity (discontinued operation), during the reporting period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 205<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (b),(c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6360339&amp;loc=d3e1361-107760<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DisposalGroupIncludingDiscontinuedOperationGrossProfitLoss</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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        <tr>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of operating income or loss attributable to the disposal group, including a component of the entity (discontinued operation), during the reporting period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 205<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6360339&amp;loc=d3e1361-107760<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                    <td><strong> Name:</strong></td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of sales or other form of revenues attributable to the disposal group, including a component of the entity (discontinued operation), during the reporting period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 144<br><br> -Paragraph 47<br><br> -Subparagraph c<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 205<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6360339&amp;loc=d3e1361-107760<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                  <tr>
                    <td><strong> Name:</strong></td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                    <td>duration</td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The gain (loss) resulting from the sale of a disposal group that is not a discontinued operation. It is included in income from continuing operations before income taxes in the income statement.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 360<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 5<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6390789&amp;loc=d3e2443-110228<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 144<br><br> -Paragraph 47<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 144<br><br> -Paragraph 37, 45<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 205<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6360339&amp;loc=d3e1361-107760<br><br><br><br></p>
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                <p>The sum of current income tax expense or benefit and deferred income tax expense or benefit pertaining to continuing operations, tax effect allocated to a disposal group that is classified as a component of the entity reported as a separate component of income before extraordinary items, and tax effect of gains and losses from events or transactions meeting the criteria to be classified as an extraordinary item.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 109<br><br> -Paragraph 35<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
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          <div style="width: 200px;"><strong>Commitments And Contingencies (Narrative) (Details) (USD $)<br></strong></div>
        </th>
        <th class="th" colspan="12">3 Months Ended</th>
        <th class="th" colspan="2">9 Months Ended</th>
        <th class="th" colspan="2">12 Months Ended</th>
        <th class="th" colspan="1"></th>
        <th class="th" colspan="1"></th>
        <th class="th" colspan="1"></th>
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      <tr>
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          <div>Apr. 30, 2012</div>
        </th>
        <th class="th">
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        <th class="th">
          <div>Oct. 31, 2011</div>
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        <th class="th">
          <div>Jan. 31, 2010</div>
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          <div>Oct. 31, 2009</div>
        </th>
        <th class="th">
          <div>Jul. 31, 2009</div>
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        <th class="th">
          <div>Jan. 31, 2012</div>
        </th>
        <th class="th">
          <div>Jan. 31, 2011</div>
        </th>
        <th class="th">
          <div>Apr. 30, 2011</div>
        </th>
        <th class="th">
          <div>Apr. 30, 2009</div>
        </th>
        <th class="th">
          <div>Apr. 30, 2007</div>
        </th>
        <th class="th">
          <div>Apr. 30, 2006</div>
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        <th class="th">
          <div>Apr. 30, 2005</div>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="text">&#xA0;<span></span></td>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="text">&#xA0;<span></span></td>
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        <td class="text">&#xA0;<span></span></td>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">8,200,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">11,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="nump">35,000,000<span></span></td>
        <td class="nump">483,000,000<span></span></td>
        <td class="nump">31,000,000<span></span></td>
        <td class="nump">55,000,000<span></span></td>
        <td class="nump">33,000,000<span></span></td>
        <td class="nump">21,000,000<span></span></td>
        <td class="nump">109,000,000<span></span></td>
        <td class="nump">45,000,000<span></span></td>
        <td class="nump">11,000,000<span></span></td>
        <td class="nump">83,000,000<span></span></td>
        <td class="nump">6,000,000<span></span></td>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="text">&#xA0;<span></span></td>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="text">&#xA0;<span></span></td>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GainLossRelatedToLitigationSettlement', window );">Losses incurred on claim settlements</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">120,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_LossSeverityRatesOnRepurchaseAndIndemnification', window );">Loss severity rates on repurchases and indemnification</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">59.00%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_NetBalanceOfAllMortgageLoansHeldForSale', window );">Net balance of all mortgage loans held for sale by SCC</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">10,600,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">10,600,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_PrincipalBalanceOfPriorPeriodWarrantyClaimsReviewedDuringPeriod', window );">Principal balance of warranty claims reviewed</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">220,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_EstimatedLossOnValidWarrantyClaimsReviewedDuringPeriod', window );">Estimated loss on valid warranty claims</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">1,200,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_ClaimsSubjectToReviewAmount', window );">Claims subject to review by SCC, amount</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">399,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">399,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_AmountOfClaimsUnderReviewRepresentingRequestsForAdditionalInformationRelatedToDeniedClaims', window );">Amount of claims under review representing requests for additions</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">79,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_PercentageOfFraudOnOriginatedLoans', window );">Percentage of fraud on originated loans</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">68.00%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_PercentageOfLoansOriginatedIn2006And2007', window );">Percentage of loans originated in 2006 and 2007</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">90.00%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">90.00%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_AmountOfLoansOriginatedDuring2005Through2007', window );">Amount of loans originated during 2005 through 2007</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">84,000,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">84,000,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_PercentageOfLoansIssuedToGovernmentSponsoredEntities', window );">Percentage of loans issued to government sponsored entities, maximum</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">1.00%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">1.00%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_ValueOfLoansWhichHaveDefaultedInFirstTwoYears', window );">Value of loans which have defaulted in the first two years</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">2,900,000,000<span></span></td>
        <td class="nump">6,300,000,000<span></span></td>
        <td class="nump">4,000,000,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LossContingencyAccrualAtCarryingValue', window );">Reserve for losses on repurchases</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">142,923,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">126,260,000<span></span></td>
        <td class="nump">154,986,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">188,200,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">142,923,000<span></span></td>
        <td class="nump">154,986,000<span></span></td>
        <td class="nump">126,260,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LossContingencyEstimateOfPossibleLoss', window );">Estimated contingent losses</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">142,900,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">142,900,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LossContingencyAccrualCarryingValuePayments', window );">Payments under indemnity agreement</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(25,562,000)<span></span></td>
        <td class="nump">49,800,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_LossContingencyApproximateLossSeverityRates', window );">Loss severity rate, assumed</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">1.00%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">1.00%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_IncreaseInLossesDueToAssumedOnePercentIncreaseInValidityRatesAndLossSeverities', window );">Increase in losses due to assumed 1% increase in validity rates and loss severities</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">35,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Private-Label Securitization Transactions [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_CommitmentsAndContingenciesLineItems', window );"><strong>Commitments And Contingencies [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_ClaimsReceivedForLoans', window );">Claims received for loans</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">29,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Monoline Insurers [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_CommitmentsAndContingenciesLineItems', window );"><strong>Commitments And Contingencies [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_ClaimsReceivedForLoans', window );">Claims received for loans</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">6,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">2005 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_CommitmentsAndContingenciesLineItems', window );"><strong>Commitments And Contingencies [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_ClaimsReceivedForLoans', window );">Claims received for loans</a></td>
        <td class="nump">89,000,000<span></span></td>
        <td class="nump">4,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">1,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">1,000,000<span></span></td>
        <td class="nump">6,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">15,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">62,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">2006 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_CommitmentsAndContingenciesLineItems', window );"><strong>Commitments And Contingencies [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_ClaimsReceivedForLoans', window );">Claims received for loans</a></td>
        <td class="nump">707,000,000<span></span></td>
        <td class="nump">29,000,000<span></span></td>
        <td class="nump">130,000,000<span></span></td>
        <td class="nump">29,000,000<span></span></td>
        <td class="nump">50,000,000<span></span></td>
        <td class="nump">29,000,000<span></span></td>
        <td class="nump">15,000,000<span></span></td>
        <td class="nump">100,000,000<span></span></td>
        <td class="nump">45,000,000<span></span></td>
        <td class="nump">4,000,000<span></span></td>
        <td class="nump">57,000,000<span></span></td>
        <td class="nump">2,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">217,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">2007 [Member]</div>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_CommitmentsAndContingenciesLineItems', window );"><strong>Commitments And Contingencies [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_ClaimsReceivedForLoans', window );">Claims received for loans</a></td>
        <td class="nump">$ 548,000,000<span></span></td>
        <td class="nump">$ 2,000,000<span></span></td>
        <td class="nump">$ 353,000,000<span></span></td>
        <td class="nump">$ 2,000,000<span></span></td>
        <td class="nump">$ 4,000,000<span></span></td>
        <td class="nump">$ 4,000,000<span></span></td>
        <td class="nump">$ 5,000,000<span></span></td>
        <td class="nump">$ 3,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">$ 7,000,000<span></span></td>
        <td class="nump">$ 11,000,000<span></span></td>
        <td class="nump">$ 4,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">$ 153,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Minimum [Member]</div>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_CommitmentsAndContingenciesLineItems', window );"><strong>Commitments And Contingencies [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_NumberOfDaysToRespondToRepresentationAndWarrantyClaims', window );">Number of days to respond to representation and warranty claims, in days</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">60<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Maximum [Member]</div>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_CommitmentsAndContingenciesLineItems', window );"><strong>Commitments And Contingencies [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_NumberOfDaysToRespondToRepresentationAndWarrantyClaims', window );">Number of days to respond to representation and warranty claims, in days</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">120<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_hrb_AmountOfClaimsUnderReviewRepresentingRequestsForAdditionalInformationRelatedToDeniedClaims">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of claims under review representing requests for additional information related to denied claims</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_AmountOfClaimsUnderReviewRepresentingRequestsForAdditionalInformationRelatedToDeniedClaims</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>hrb_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_hrb_AmountOfLoansOriginatedDuring2005Through2007">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of loans originated during 2005 through 2007</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_AmountOfLoansOriginatedDuring2005Through2007</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>hrb_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_hrb_ClaimsReceivedForLoans">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Claims received for loans</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_ClaimsReceivedForLoans</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>hrb_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_hrb_ClaimsSubjectToReviewAmount">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Claims subject to review, amount</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_ClaimsSubjectToReviewAmount</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>hrb_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_hrb_CommitmentsAndContingenciesLineItems">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_CommitmentsAndContingenciesLineItems</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>hrb_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_hrb_EstimatedLossOnValidWarrantyClaimsReviewedDuringPeriod">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Estimated Loss On Valid Warranty Claims</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_EstimatedLossOnValidWarrantyClaimsReviewedDuringPeriod</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>hrb_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_hrb_IncreaseInLossesDueToAssumedOnePercentIncreaseInValidityRatesAndLossSeverities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Increase in losses due to assumed 1% increase in validity rates and loss severities</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_IncreaseInLossesDueToAssumedOnePercentIncreaseInValidityRatesAndLossSeverities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>hrb_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_hrb_LossContingencyApproximateLossSeverityRates">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Loss contingency approximate loss severity rates</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_LossContingencyApproximateLossSeverityRates</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>hrb_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_hrb_LossSeverityRatesOnRepurchaseAndIndemnification">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Loss severity rates on repurchase and indemnification</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_LossSeverityRatesOnRepurchaseAndIndemnification</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>hrb_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_hrb_NetBalanceOfAllMortgageLoansHeldForSale">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Net balance of all mortgage loans held for sale</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_NetBalanceOfAllMortgageLoansHeldForSale</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>hrb_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_hrb_NumberOfDaysToRespondToRepresentationAndWarrantyClaims">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Number of days to respond to representation and warranty claims.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_NumberOfDaysToRespondToRepresentationAndWarrantyClaims</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>hrb_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:integerItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_hrb_PercentageOfDeniedLoanRepurchaseClaimsReceived">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Percentage of denied loan repurchase claims received.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_PercentageOfDeniedLoanRepurchaseClaimsReceived</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>hrb_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_hrb_PercentageOfFraudOnOriginatedLoans">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Percentage of Fraud on Originated Loans</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_PercentageOfFraudOnOriginatedLoans</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>hrb_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_hrb_PercentageOfLoansIssuedToGovernmentSponsoredEntities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Percentage of loans issued to government sponsored entities</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_PercentageOfLoansIssuedToGovernmentSponsoredEntities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>hrb_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_hrb_PercentageOfLoansOriginatedIn2006And2007">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Percentage of loans originated in 2006 and 2007</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_PercentageOfLoansOriginatedIn2006And2007</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>hrb_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_hrb_PercentageOfValidClaimsThatResultedInIndemnificationOrSettlementPayments">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Percentage of valid claims that resulted in indemnification or settlement payments</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_PercentageOfValidClaimsThatResultedInIndemnificationOrSettlementPayments</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>hrb_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_hrb_PercentageOfValidClaimsThatResultedInLoanRepurchases">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Percentage of valid claims that resulted in loan repurchases</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_PercentageOfValidClaimsThatResultedInLoanRepurchases</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>hrb_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_hrb_PrincipalBalanceOfPriorPeriodWarrantyClaimsReviewedDuringPeriod">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Principal Balance Of Prior Period Warranty Claims Reviewed During Period</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_PrincipalBalanceOfPriorPeriodWarrantyClaimsReviewedDuringPeriod</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>hrb_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_hrb_StandardGuaranteeAccrualAmount">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Standard guarantee accrual amount</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_StandardGuaranteeAccrualAmount</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>hrb_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_hrb_ValueOfLoansWhichHaveDefaultedInFirstTwoYears">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Value of loans which have defaulted in the first two years</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_ValueOfLoansWhichHaveDefaultedInFirstTwoYears</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>hrb_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_BusinessAcquisitionContingentConsiderationAtFairValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Fair value, as of the acquisition date, of potential payments under the contingent consideration arrangement including cash and shares.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 805<br><br> -SubTopic 30<br><br> -Section 25<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6911189&amp;loc=d3e6408-128476<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 805<br><br> -SubTopic 20<br><br> -Section 35<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6910684&amp;loc=d3e4570-128470<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 805<br><br> -SubTopic 30<br><br> -Section 25<br><br> -Paragraph 7<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6911189&amp;loc=d3e6411-128476<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 141R<br><br> -Paragraph 68<br><br> -Subparagraph g(1)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  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This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 805<br><br> -SubTopic 30<br><br> -Section 25<br><br> -Paragraph 5<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6911189&amp;loc=d3e6405-128476<br><br><br><br>Reference 11: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 805<br><br> -SubTopic 20<br><br> -Section 25<br><br> -Paragraph 28<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6946367&amp;loc=d3e3642-128468<br><br><br><br>Reference 12: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 805<br><br> -SubTopic 20<br><br> -Section 30<br><br> -Paragraph 18<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6910544&amp;loc=d3e4237-128469<br><br><br><br>Reference 13: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 141R<br><br> -Paragraph 65<br><br> -Subparagraph a, b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 14: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 805<br><br> -SubTopic 20<br><br> -Section 25<br><br> -Paragraph 27<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6946367&amp;loc=d3e3629-128468<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_BusinessAcquisitionContingentConsiderationAtFairValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GainLossRelatedToLitigationSettlement">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net proceeds or assets obtained in excess of (less than) the net carrying amount of assets recorded, or assets distributed and liabilities assumed less than (in excess of) estimated litigation  liability extinguished, in settlement of a litigation matter. Represents (for other than an insurance entity in its normal claims settlement process), the amount of income (expense) recognized in the period to settle pending or threatened litigation and insurance claims.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 5<br><br> -Paragraph 9, 10, 11, 12<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 450<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6952336&amp;loc=d3e14326-108349<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_GainLossRelatedToLitigationSettlement</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LossContingencyAccrualAtCarryingValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The carrying amount as of the balance sheet date of the combined total of loss contingency liabilities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 5<br><br> -Paragraph 9, 10, 11, 12<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 450<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6952336&amp;loc=d3e14326-108349<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LossContingencyAccrualAtCarryingValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LossContingencyAccrualCarryingValuePayments">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The payments made in the period which reduced loss contingency liabilities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 5<br><br> -Paragraph 9, 10, 11, 12<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 450<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6952336&amp;loc=d3e14326-108349<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LossContingencyAccrualCarryingValuePayments</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LossContingencyEstimateOfPossibleLoss">
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Reflects the estimated amount of loss from the specified contingency as of the balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 5<br><br> -Paragraph 9, 10, 11, 12<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 450<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 4<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6952336&amp;loc=d3e14435-108349<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 450<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 9<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6952336&amp;loc=d3e14557-108349<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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<DOCUMENT>
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<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EYNAE">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Mortgage Loans Held For Investment And Related Assets (Information Related To Activities Of Non-Performing Assets) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="2">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Jan. 31, 2012</div>
        </th>
        <th class="th">
          <div>Jan. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems', window );"><strong>Mortgage Loans Held For Investment And Related Assets [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average impaired loans</a></td>
        <td class="nump">$ 259,423<span></span></td>
        <td class="nump">$ 308,282<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod', window );">Interest income on impaired loans</a></td>
        <td class="nump">4,688<span></span></td>
        <td class="nump">4,975<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod', window );">Interest income on impaired loans recognized on a cash basis on non-accrual status</a></td>
        <td class="nump">4,506<span></span></td>
        <td class="nump">4,711<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Purchased From SCC [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems', window );"><strong>Mortgage Loans Held For Investment And Related Assets [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average impaired loans</a></td>
        <td class="nump">224,002<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod', window );">Interest income on impaired loans</a></td>
        <td class="nump">4,340<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod', window );">Interest income on impaired loans recognized on a cash basis on non-accrual status</a></td>
        <td class="nump">4,182<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">All Other [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems', window );"><strong>Mortgage Loans Held For Investment And Related Assets [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment', window );">Average impaired loans</a></td>
        <td class="nump">35,421<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod', window );">Interest income on impaired loans</a></td>
        <td class="nump">348<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod', window );">Interest income on impaired loans recognized on a cash basis on non-accrual status</a></td>
        <td class="nump">$ 324<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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                    <td>na</td>
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                    <td>duration</td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment">
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The average recorded investment related to impaired financing receivables.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 15<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6965416&amp;loc=d3e5212-111524<br><br> -Subparagraph (c)(1)<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 17<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6965416&amp;loc=d3e5258-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ImpairedFinancingReceivableAverageRecordedInvestment</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The interest income recognized during the time within that period that the financing receivables were impaired.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 15<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6965416&amp;loc=d3e5212-111524<br><br> -Subparagraph (c)(2)<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
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                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ImpairedFinancingReceivableInterestIncomeAccrualMethod</nobr></td>
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                    <td><strong> Data Type:</strong></td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The interest income recognized on a cash-basis method of accounting during the time within that period that the financing receivables were impaired.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 15<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6965416&amp;loc=d3e5212-111524<br><br> -Subparagraph (c)(3)<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ImpairedFinancingReceivableInterestIncomeCashBasisMethod</nobr></td>
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                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                    <td>duration</td>
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<DESCRIPTION>IDEA: XBRL DOCUMENT
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<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0E2CAI">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Commitments And Contingencies (Claims Received By Loan Origination Year) (Details) (USD $)<br>In Millions, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="12">3 Months Ended</th>
        <th class="th" colspan="1">12 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Apr. 30, 2012</div>
        </th>
        <th class="th">
          <div>Jan. 31, 2012</div>
        </th>
        <th class="th">
          <div>Oct. 31, 2011</div>
        </th>
        <th class="th">
          <div>Jul. 31, 2011</div>
        </th>
        <th class="th">
          <div>Apr. 30, 2011</div>
        </th>
        <th class="th">
          <div>Jan. 31, 2011</div>
        </th>
        <th class="th">
          <div>Oct. 31, 2010</div>
        </th>
        <th class="th">
          <div>Jul. 31, 2010</div>
        </th>
        <th class="th">
          <div>Apr. 30, 2010</div>
        </th>
        <th class="th">
          <div>Jan. 31, 2010</div>
        </th>
        <th class="th">
          <div>Oct. 31, 2009</div>
        </th>
        <th class="th">
          <div>Jul. 31, 2009</div>
        </th>
        <th class="th">
          <div>Apr. 30, 2009</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_CommitmentsAndContingenciesLineItems', window );"><strong>Commitments And Contingencies [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_ClaimsReceivedForLoans', window );">Claims received for loans</a></td>
        <td class="nump">$ 1,344<span></span></td>
        <td class="nump">$ 35<span></span></td>
        <td class="nump">$ 483<span></span></td>
        <td class="nump">$ 31<span></span></td>
        <td class="nump">$ 55<span></span></td>
        <td class="nump">$ 33<span></span></td>
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        <td class="nump">$ 11<span></span></td>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
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        <td class="text">&#xA0;<span></span></td>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="nump">89<span></span></td>
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        <td class="nump">6<span></span></td>
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        <td class="text">&#xA0;<span></span></td>
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        <td class="text">&#xA0;<span></span></td>
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        <td class="text">&#xA0;<span></span></td>
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        <td class="text">&#xA0;<span></span></td>
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        <td class="nump">29<span></span></td>
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        <td class="text">&#xA0;<span></span></td>
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        <td class="nump">$ 2<span></span></td>
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                <p>Claims received for loans</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>34
<FILENAME>R81.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0E3XAE">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Segment Information (Continuing Operations By Reportable Operating Segment) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="2">3 Months Ended</th>
        <th class="th" colspan="2">9 Months Ended</th>
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      <tr>
        <th class="th">
          <div>Jan. 31, 2012</div>
        </th>
        <th class="th">
          <div>Jan. 31, 2011</div>
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        <th class="th">
          <div>Jan. 31, 2012</div>
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        <th class="th">
          <div>Jan. 31, 2011</div>
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      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SegmentReportingInformationLineItems', window );"><strong>Segment Reporting Information [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SegmentReportingInformationRevenue', window );">Revenues</a></td>
        <td class="nump">$ 663,280<span></span></td>
        <td class="nump">$ 680,296<span></span></td>
        <td class="nump">$ 893,097<span></span></td>
        <td class="nump">$ 899,721<span></span></td>
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        <td class="num">(1,026)<span></span></td>
        <td class="num">(25,968)<span></span></td>
        <td class="num">(405,556)<span></span></td>
        <td class="num">(416,635)<span></span></td>
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        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SegmentReportingInformationLineItems', window );"><strong>Segment Reporting Information [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SegmentReportingInformationRevenue', window );">Revenues</a></td>
        <td class="nump">655,701<span></span></td>
        <td class="nump">672,810<span></span></td>
        <td class="nump">868,144<span></span></td>
        <td class="nump">875,376<span></span></td>
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        <td class="nump">31,716<span></span></td>
        <td class="nump">4,114<span></span></td>
        <td class="num">(311,733)<span></span></td>
        <td class="num">(324,865)<span></span></td>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SegmentReportingInformationRevenue', window );">Revenues</a></td>
        <td class="nump">7,579<span></span></td>
        <td class="nump">7,486<span></span></td>
        <td class="nump">24,953<span></span></td>
        <td class="nump">24,345<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments', window );">Loss from continuing operations before income tax (benefit)</a></td>
        <td class="num">$ (32,742)<span></span></td>
        <td class="num">$ (30,082)<span></span></td>
        <td class="num">$ (93,823)<span></span></td>
        <td class="num">$ (91,770)<span></span></td>
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                <p>Sum of operating profit and nonoperating income or expense before Income or Loss from equity method investments, income taxes, extraordinary items, and noncontrolling interest.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 4<br><br> -Section 08<br><br> -Paragraph h<br><br> -Subparagraph 1(i)<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(h)(1)(i))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6881521&amp;loc=d3e23780-122690<br><br><br><br></p>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of total revenue for the reportable segments, including revenue from external customers, transactions with other operating segments of the same entity, and (gross) interest revenue. All considered to be "operating revenue" for purposes of the taxonomy.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 131<br><br> -Paragraph 27<br><br> -Subparagraph a, b, c<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 22<br><br> -Subparagraph (a),(b),(c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8736-108599<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_SegmentReportingInformationRevenue</nobr></td>
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                    <td>us-gaap_</td>
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                    <td>duration</td>
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  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EC1AE">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Commitments And Contingencies (Rollforward Of Reserve For Losses On Repurchases) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="2">9 Months Ended</th>
        <th class="th" colspan="1">12 Months Ended</th>
        <th class="th" colspan="1"></th>
        <th class="th" colspan="1"></th>
        <th class="th" colspan="1"></th>
        <th class="th" colspan="1"></th>
        <th class="th" colspan="1"></th>
        <th class="th" colspan="1"></th>
      </tr>
      <tr>
        <th class="th">
          <div>Jan. 31, 2012</div>
        </th>
        <th class="th">
          <div>Jan. 31, 2011</div>
        </th>
        <th class="th">
          <div>Apr. 30, 2011</div>
        </th>
        <th class="th">
          <div>Jan. 31, 2012

</div>
          <div>Repurchase And Indemnifications [Member]</div>
        </th>
        <th class="th">
          <div>Apr. 30, 2011

</div>
          <div>Repurchase And Indemnifications [Member]</div>
        </th>
        <th class="th">
          <div>Jan. 31, 2011

</div>
          <div>Repurchase And Indemnifications [Member]</div>
        </th>
        <th class="th">
          <div>Apr. 30, 2010

</div>
          <div>Repurchase And Indemnifications [Member]</div>
        </th>
        <th class="th">
          <div>Jan. 31, 2011

</div>
          <div>Indemnity Agreement Dated April 2008 [Member]</div>
        </th>
        <th class="th">
          <div>Apr. 30, 2010

</div>
          <div>Indemnity Agreement Dated April 2008 [Member]</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_CommitmentsAndContingenciesLineItems', window );"><strong>Commitments And Contingencies [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LossContingencyAccrualAtCarryingValue', window );">Reserve for losses on repurchases, beginning balance</a></td>
        <td class="nump">$ 126,260<span></span></td>
        <td class="nump">$ 188,200<span></span></td>
        <td class="nump">$ 188,200<span></span></td>
        <td class="nump">$ 142,923<span></span></td>
        <td class="nump">$ 126,260<span></span></td>
        <td class="nump">$ 130,763<span></span></td>
        <td class="nump">$ 138,415<span></span></td>
        <td class="nump">$ 24,223<span></span></td>
        <td class="nump">$ 49,785<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LossContingencyAccrualCarryingValueProvision', window );">Provisions</a></td>
        <td class="nump">20,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_LossesOnRepurchaseAndIndemnifications', window );">Losses on repurchase and indemnifications</a></td>
        <td class="num">(3,337)<span></span></td>
        <td class="num">(7,652)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LossContingencyAccrualCarryingValuePayments', window );">Payments under indemnity agreement</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(25,562)<span></span></td>
        <td class="nump">49,800<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LossContingencyAccrualAtCarryingValue', window );">Reserve for losses on repurchases, ending balance</a></td>
        <td class="nump">$ 142,923<span></span></td>
        <td class="nump">$ 154,986<span></span></td>
        <td class="nump">$ 126,260<span></span></td>
        <td class="nump">$ 142,923<span></span></td>
        <td class="nump">$ 126,260<span></span></td>
        <td class="nump">$ 130,763<span></span></td>
        <td class="nump">$ 138,415<span></span></td>
        <td class="nump">$ 24,223<span></span></td>
        <td class="nump">$ 49,785<span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
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                    <td><nobr>hrb_CommitmentsAndContingenciesLineItems</nobr></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Losses on repurchase and indemnifications</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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                    <td>hrb_</td>
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                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The carrying amount as of the balance sheet date of the combined total of loss contingency liabilities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 5<br><br> -Paragraph 9, 10, 11, 12<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 450<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6952336&amp;loc=d3e14326-108349<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
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                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LossContingencyAccrualAtCarryingValue</nobr></td>
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                    <td>us-gaap_</td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The payments made in the period which reduced loss contingency liabilities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 5<br><br> -Paragraph 9, 10, 11, 12<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 450<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6952336&amp;loc=d3e14326-108349<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LossContingencyAccrualCarryingValuePayments</nobr></td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The charge against earnings in the period to increase loss contingency liabilities, net of any adjustments to reduce previously estimated charges.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 5<br><br> -Paragraph 9, 10, 11, 12<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 450<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6952336&amp;loc=d3e14326-108349<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0E2BAC">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Regulatory Requirements (Narrative) (Details) (USD $)<br>In Millions, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="1">1 Months Ended</th>
        <th class="th" colspan="1">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Feb. 29, 2012</div>
        </th>
        <th class="th">
          <div>Jan. 31, 2012</div>
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      </tr>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_RegulatoryRequirementsAbstract', window );"><strong>Regulatory Requirements [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_CapitalContributionForCapitalAdequacy', window );">Capital contributions to HRB Bank to meet capital requirements</a></td>
        <td class="nump">$ 200.0<span></span></td>
        <td class="nump">$ 200.0<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_RatioOfIndebtednessToNetCapital1', window );">Leverage ratio</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">27.10%<span></span></td>
      </tr>
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Capital contribution for capital adequacy.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Indebtedness divided by net capital.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_RatioOfIndebtednessToNetCapital1</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>hrb_</td>
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                    <td>na</td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_RegulatoryRequirementsAbstract</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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                    <td>duration</td>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>37
<FILENAME>R25.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0E2F">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Loss Per Share And Stockholders' Equity (Tables)<br></strong></div>
        </th>
        <th class="th" colspan="1">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Jan. 31, 2012</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_LossPerShareAndStockholdersEquityAbstract', window );"><strong>Loss Per Share And Stockholders' Equity [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock', window );">Computation Of Basic And Diluted Loss Per Share From Continuing Operations</a></td>
        <td class="text"><div> <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="92%" align="center">
<tr><td style="width: 49%;"> </td>
<td style="width: 52pt;"> </td>
<td style="width: 52pt;"> </td>
<td style="width: 55pt;"> </td>
<td style="width: 55pt;"> </td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1"><b> </b>(in&nbsp;000s,&nbsp;except&nbsp;per&nbsp;share&nbsp; amounts)<b> </b></font></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Three&nbsp;months&nbsp;ended&nbsp;January&nbsp;31,</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Nine&nbsp;months&nbsp;ended&nbsp;January&nbsp;31,</font></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">2012</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">2011</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">2012</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1"><b> </b>2011<b> </b></font></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Net loss from continuing operations attributable to shareholders </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (3,567 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (11,034 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (245,735 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (250,286 )</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Amounts allocated to participating securities (nonvested shares)</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">24 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(148 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(152 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(142 )</font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Net loss from continuing operations attributable to common shareholders </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (3,543 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (11,182 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (245,887 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (250,428 )</font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Basic weighted average common shares </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">292,963 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">305,144 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">299,450 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">310,546 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Potential dilutive shares </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Dilutive weighted average common shares </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">292,963 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">305,144 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">299,450 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">310,546 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Loss per share from continuing operations:</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Basic </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (0.01 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (0.04 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (0.82 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (0.80 )</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Diluted </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(0.01 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(0.04 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(0.82 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(0.80 )</font></p></td></tr></table> </div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_ScheduleOfComponentsOfStockholdersEquityTableTextBlock', window );">Components Of Stockholders' Equity</a></td>
        <td class="text"><div> <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="68%" align="center">
<tr><td style="width: 57%;"> </td>
<td style="width: 52pt;"> </td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"><font style="font-family: Times New Roman;" class="_mt" size="1"><b> </b>(in 000s)<b> </b></font></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Common stock </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 130 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Additional paid-in capital </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">7,826 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Retained earnings </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">169,548 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 177,504 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td></tr></table> </div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_LossPerShareAndStockholdersEquityAbstract</nobr></td>
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                    <td>duration</td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Schedule Of Components Of Stockholders Equity [Table Text Block]</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of an entity's basic and diluted earnings per share calculations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ScheduleOfEarningsPerShareBasicAndDilutedTableTextBlock</nobr></td>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>38
<FILENAME>R50.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0E6RAE">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>Mortgage Loans Held For Investment And Related Assets (Schedule Of Portfolio Balance) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Jan. 31, 2012</div>
        </th>
        <th class="th">
          <div>Apr. 30, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems', window );"><strong>Mortgage Loans Held For Investment And Related Assets [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Portfolio Balance</a></td>
        <td class="nump">$ 516,509<span></span></td>
        <td class="nump">$ 572,974<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesRealEstate', window );">Related Allowance</a></td>
        <td class="nump">89,949<span></span></td>
        <td class="nump">92,087<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Pooled (Less Than 60 Days Past Due) [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems', window );"><strong>Mortgage Loans Held For Investment And Related Assets [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Portfolio Balance</a></td>
        <td class="nump">260,916<span></span></td>
        <td class="nump">304,325<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesRealEstate', window );">Related Allowance</a></td>
        <td class="nump">9,467<span></span></td>
        <td class="nump">11,238<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Individually (TDRs) [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems', window );"><strong>Mortgage Loans Held For Investment And Related Assets [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Portfolio Balance</a></td>
        <td class="nump">84,443<span></span></td>
        <td class="nump">106,328<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesRealEstate', window );">Related Allowance</a></td>
        <td class="nump">9,011<span></span></td>
        <td class="nump">11,056<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Individually (60 Days Or More Past Due) [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems', window );"><strong>Mortgage Loans Held For Investment And Related Assets [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Portfolio Balance</a></td>
        <td class="nump">171,150<span></span></td>
        <td class="nump">162,321<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesRealEstate', window );">Related Allowance</a></td>
        <td class="nump">$ 71,471<span></span></td>
        <td class="nump">$ 69,793<span></span></td>
      </tr>
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                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The reserve to cover probable credit losses related to specifically identified fixed maturity real estate loans as well as probable credit losses inherent in the remainder of that loan portfolio.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 60<br><br> -Paragraph 47<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 310<br><br> -Section 45<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6873192&amp;loc=d3e21338-158488<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Reflects the aggregate gross carrying amount of all categories of loans and leases held in portfolio, prior to deducting deferred income and the allowance for losses on loans and leases.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Statement of Position (SOP)<br><br> -Number 01-6<br><br> -Paragraph 13<br><br> -Subparagraph e<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6375948&amp;loc=d3e4428-111522<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoansAndLeasesReceivableGrossCarryingAmount</nobr></td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
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            </div>
          </td>
        </tr>
      </table>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>39
<FILENAME>R42.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EUGAG">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Receivables (Narrative) (Details) (USD $)<br></strong></div>
        </th>
        <th class="th" colspan="1">9 Months Ended</th>
        <th class="th" colspan="2"></th>
        <th class="th" colspan="1"></th>
        <th class="th" colspan="1"></th>
        <th class="th" colspan="1"></th>
        <th class="th" colspan="1"></th>
        <th class="th" colspan="1"></th>
        <th class="th" colspan="2"></th>
      </tr>
      <tr>
        <th class="th">
          <div>Jan. 31, 2012

</div>
          <div>days</div>
        </th>
        <th class="th">
          <div>Jan. 31, 2012

</div>
          <div>RSM McGladrey, Inc. [Member]</div>
        </th>
        <th class="th">
          <div>Jan. 31, 2012

</div>
          <div>Loans To Franchisees [Member]</div>
        </th>
        <th class="th">
          <div>Apr. 30, 2011

</div>
          <div>Loans To Franchisees [Member]</div>
        </th>
        <th class="th">
          <div>Jan. 31, 2011

</div>
          <div>Loans To Franchisees [Member]</div>
        </th>
        <th class="th">
          <div>Jan. 31, 2012

</div>
          <div>Emerald Advance Lines Of Credit [Member]</div>
        </th>
        <th class="th">
          <div>Apr. 30, 2011

</div>
          <div>Emerald Advance Lines Of Credit [Member]</div>
        </th>
        <th class="th">
          <div>Jan. 31, 2011

</div>
          <div>Emerald Advance Lines Of Credit [Member]</div>
        </th>
        <th class="th">
          <div>Jan. 31, 2012

</div>
          <div>Term Loans [Member]</div>
        </th>
        <th class="th">
          <div>Jan. 31, 2012

</div>
          <div>Revolving Lines Of Credit [Member]</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_DisposalGroupIncludingDiscontinuedOperationShortTermReceivable', window );">Short-term receivable, discontinued operation</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">$ 32,300,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_DisposalGroupIncludingDiscontinuedOperationNoteReceivable', window );">Note receivable, discontinued operation</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">54,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentInterestRateStatedPercentage', window );">Long-term note, interest rate</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">8.00%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableImpairedNonperformingNonaccrualOfInterest', window );">Non-accrual status loans</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">41,400,000<span></span></td>
        <td class="nump">46,800,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_ImpairedNonAccrualStatusTerm', window );">Impaired non-accrual status term, days</a></td>
        <td class="nump">60<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableNet', window );">Receivables, net</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">$ 215,551,000<span></span></td>
        <td class="nump">$ 172,601,000<span></span></td>
        <td class="nump">$ 216,609,000<span></span></td>
        <td class="nump">$ 458,718,000<span></span></td>
        <td class="nump">$ 53,264,000<span></span></td>
        <td class="nump">$ 687,925,000<span></span></td>
        <td class="nump">$ 150,400,000<span></span></td>
        <td class="nump">$ 65,200,000<span></span></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Disposal group, including discontinued operation, note receivable</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_DisposalGroupIncludingDiscontinuedOperationNoteReceivable</nobr></td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Disposal group including discontinued operation short term receivable.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_DisposalGroupIncludingDiscontinuedOperationShortTermReceivable</nobr></td>
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                    <td>hrb_</td>
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                    <td>xbrli:monetaryItemType</td>
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                    <td>debit</td>
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                    <td>instant</td>
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        <tr>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Impaired Non Accrual Status Term</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_ImpairedNonAccrualStatusTerm</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>hrb_</td>
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                    <td>xbrli:positiveIntegerItemType</td>
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                <table border="0" cellpadding="0" cellspacing="0">
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                    <td><nobr>us-gaap_AccountsNotesAndLoansReceivableLineItems</nobr></td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
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                    <td>na</td>
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                    <td>duration</td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Interest rate stated in the contractual debt agreement.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 22<br><br> -Article 5<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.22(a)(1))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
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                    <td>num:percentItemType</td>
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        <tr>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Reflects the carrying amount of loans deemed to be questionable as to collection on which no interest is continuing to be recognized.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Statement of Position (SOP)<br><br> -Number 01-6<br><br> -Paragraph 13<br><br> -Subparagraph g<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 7<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6965416&amp;loc=d3e5111-111524<br><br><br><br></p>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>For an unclassified balance sheet, an amount representing an agreement for an unconditional promise by the maker to pay the Entity (holder) a definite sum of money at a future date, net of any write-downs taken for collection uncertainty on the part of the holder. Such amount may include accrued interest receivable in accordance with the terms of the note. The note also may contain provisions and related items including a discount or premium, payable on demand, secured, or unsecured, interest bearing or noninterest bearing, among a myriad of other features and characteristics. This amount does not include amounts related to receivables held-for-sale.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 3<br><br> -Article 5<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NotesReceivableNet</nobr></td>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0E6AAC">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>Commitments And Contingencies (Schedule Of Contractual Obligations And Commitments) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Jan. 31, 2012</div>
        </th>
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          <div>Apr. 30, 2011</div>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_ObligationForUnfundedLetterOfCredit', window );">Franchise Equity Lines of Credit - undrawn commitment</a></td>
        <td class="nump">$ 22,209<span></span></td>
        <td class="nump">$ 37,695<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_UnrecordedUnconditionalPurchaseObligationBalanceSheetAmount', window );">Media advertising purchase obligation</a></td>
        <td class="nump">$ 5,714<span></span></td>
        <td class="nump">$ 9,498<span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Obligation for unfunded letter of credit</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of the fixed and determinable portion of an unrecorded unconditional purchase obligation as of the balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 47<br><br> -Paragraph 7<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 440<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6394976&amp;loc=d3e25336-109308<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_UnrecordedUnconditionalPurchaseObligationBalanceSheetAmount</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EKH">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Condensed Consolidating Financial Statements (Tables)<br></strong></div>
        </th>
        <th class="th" colspan="1">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Jan. 31, 2012</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_CondensedConsolidatingFinancialStatementsAbstract', window );"><strong>Condensed Consolidating Financial Statements [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_ScheduleOfCondensedConsolidatingStatementOfOperationsTableTextBlock', window );">Schedule Of Condensed Consolidating Statements Of Operations</a></td>
        <td class="text"><div> <div class="MetaData">

<div>

<div class="MetaData">

<div>

<div>

<p style="margin-top: 12px; margin-bottom: 0px;"><font style="font-family: Times New Roman;" class="_mt" size="2"><i>Condensed Consolidating Statements of Operations</i><b><i> </i></b></font></p>

<p style="margin-top: 0px; margin-bottom: 0px; font-size: 6px;">&nbsp;</p>

<table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center">
<tr><td style="width: 47%;"> </td>
<td style="width: 64pt;"> </td>
<td style="width: 45pt;"> </td>
<td style="width: 49pt;"> </td>
<td style="width: 50pt;"> </td>
<td style="width: 52pt;"> </td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">(in 000s)</font>

<p class="rrdsinglerule" align="left">&nbsp;</p></td></tr>
<tr><td valign="bottom" width="60%" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 0px;"><font style="font-family: Times New Roman;" class="_mt" size="1">Three months ended</font></p>

<p style="margin-top: 0px; margin-bottom: 0px;"><font style="font-family: Times New Roman;" class="_mt" size="1">January&nbsp;31, 2012</font></p>

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">H&amp;R&nbsp;Block,&nbsp;Inc.<br />(Guarantor)</font>

<p class="rrdsinglerule" align="left">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">BFC<br />(Issuer)</font>

<p class="rrdsinglerule" align="left">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Other<br />Subsidiaries</font>

<p class="rrdsinglerule" align="left">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Eliminations</font>

<p class="rrdsinglerule" align="left">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Consolidated<br />H&amp;R Block</font>

<p class="rrdsinglerule" align="left">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Total revenues </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ &#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 65,604 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 597,837 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (161 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 663,280 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Cost of revenues </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">77,965 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">377,436 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(161 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">455,240 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Selling, general and administrative </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">9,705 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">202,031 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">211,736 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Total expenses </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">87,670 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">579,467 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(161 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">666,976 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Operating income (loss) </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(22,066 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">18,370 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(3,696 )</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Other income (expense), net </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(1,026 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,301 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,369 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,026 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">2,670 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Income (loss) from continuing operations before tax (benefit) </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(1,026 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(20,765 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">19,739 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,026 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(1,026 )</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Income tax (benefit) </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">2,541 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">12,036 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(9,495 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(2,541 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">2,541 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Net income (loss) from continuing operations </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(3,567 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(32,801 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">29,234 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">3,567 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(3,567 )</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Net income (loss) from discontinued operations </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">218 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(15,695 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">15,913 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(218 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">218 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Net income (loss) </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (3,349 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (48,496 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 45,147 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 3,349 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (3,349 )</font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td></tr></table></div></div></div></div>

<div>

<div class="MetaData">

<div>

<div>

<table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center">
<tr><td style="width: 47%;"> </td>
<td style="width: 64pt;"> </td>
<td style="width: 47pt;"> </td>
<td style="width: 49pt;"> </td>
<td style="width: 50pt;"> </td>
<td style="width: 52pt;"> </td></tr>
<tr><td valign="bottom" width="58%" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 0px;"><font style="font-family: Times New Roman;" class="_mt" size="1">Three months ended</font></p>

<p style="margin-top: 0px; margin-bottom: 0px;"><font style="font-family: Times New Roman;" class="_mt" size="1">January&nbsp;31, 2011</font></p>

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">H&amp;R&nbsp;Block,&nbsp;Inc.<br />(Guarantor)</font>

<p class="rrdsinglerule" align="left">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">BFC<br />(Issuer)</font>

<p class="rrdsinglerule" align="left">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Other<br />Subsidiaries</font>

<p class="rrdsinglerule" align="left">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Eliminations</font>

<p class="rrdsinglerule" align="left">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Consolidated<br />H&amp;R Block</font>

<p class="rrdsinglerule" align="left">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Total revenues </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ &#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 74,103 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 606,193 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ &#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 680,296 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Cost of revenues </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">118,708 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">376,176 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">494,884 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Selling, general and administrative </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">10,220 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">203,119 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">213,339 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Total expenses </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">128,928 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">579,295 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">708,223 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Operating income (loss) </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(54,825 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">26,898 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(27,927 )</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Other income (expense), net </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(25,968 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(521 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">2,480 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">25,968 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,959 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Income (loss) from continuing operations before taxes (benefit) </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(25,968 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(55,346 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">29,378 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">25,968 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(25,968 )</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Income taxes (benefit) </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(14,934 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(26,783 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">11,849 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">14,934 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(14,934 )</font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Net income (loss) from continuing operations </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(11,034 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(28,563 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">17,529 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">11,034 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(11,034 )</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Net income (loss) from discontinued operations </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(1,687 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(8,283 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">6,596 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,687 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(1,687 )</font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Net income (loss) </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (12,721 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (36,846 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 24,125 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 12,721 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (12,721 )</font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td></tr></table>

<p style="margin-top: 12px; margin-bottom: 0px; font-size: 1px;"><font class="_mt" size="3"> </font></p>

<p style="margin-top: 0px; margin-bottom: 0px; font-size: 12px;">&nbsp;</p>

<table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center">
<tr><td style="width: 45%;"> </td>
<td style="width: 64pt;"> </td>
<td style="width: 47pt;"> </td>
<td style="width: 55pt;"> </td>
<td style="width: 50pt;"> </td>
<td style="width: 55pt;"> </td></tr>
<tr><td valign="bottom" width="55%" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 0px;"><font style="font-family: Times New Roman;" class="_mt" size="1">Nine months ended</font></p>

<p style="margin-top: 0px; margin-bottom: 0px;"><font style="font-family: Times New Roman;" class="_mt" size="1">January&nbsp;31, 2012</font></p>

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">H&amp;R&nbsp;Block,&nbsp;Inc.<br />(Guarantor)</font>

<p class="rrdsinglerule" align="left">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">BFC<br />(Issuer)</font>

<p class="rrdsinglerule" align="left">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Other<br />Subsidiaries</font>

<p class="rrdsinglerule" align="left">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Eliminations</font>

<p class="rrdsinglerule" align="left">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Consolidated<br />H&amp;R Block</font>

<p class="rrdsinglerule" align="left">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Total revenues </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ &#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 104,937 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 788,321 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (161 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 893,097 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Cost of revenues </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">152,605 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">742,993 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(161 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">895,437 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Selling, general and administrative </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">24,044 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">388,357 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">412,401 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Total expenses </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">176,649 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,131,350 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(161 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,307,838 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Operating loss </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(71,712 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(343,029 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(414,741 )</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Other income (expense), net </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(405,556 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">7,647 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,538 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">405,556 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">9,185 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Loss from continuing operations before tax benefit </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(405,556 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(64,065 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(341,491 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">405,556 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(405,556 )</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Income tax benefit </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(159,821 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(4,877 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(154,944 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">159,821 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(159,821 )</font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Net loss from continuing operations </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(245,735 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(59,188 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(186,547 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">245,735 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(245,735 )</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Net loss from discontinued operations </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(74,436 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(36,398 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(38,038 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">74,436 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(74,436 )</font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Net loss </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (320,171 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (95,586 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (224,585 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 320,171 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (320,171 )</font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td></tr></table>

<p style="margin-top: 0px; margin-bottom: 0px; font-size: 12px;">&nbsp;</p>

<table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center">
<tr><td style="width: 45%;"> </td>
<td style="width: 64pt;"> </td>
<td style="width: 50pt;"> </td>
<td style="width: 55pt;"> </td>
<td style="width: 50pt;"> </td>
<td style="width: 55pt;"> </td></tr>
<tr><td valign="bottom" width="55%" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 0px;"><font style="font-family: Times New Roman;" class="_mt" size="1">Nine months ended</font></p>

<p style="margin-top: 0px; margin-bottom: 0px;"><font style="font-family: Times New Roman;" class="_mt" size="1">January&nbsp;31, 2011</font></p>

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">H&amp;R&nbsp;Block,&nbsp;Inc.<br />(Guarantor)</font>

<p class="rrdsinglerule" align="left">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">BFC<br />(Issuer)</font>

<p class="rrdsinglerule" align="left">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Other<br />Subsidiaries</font>

<p class="rrdsinglerule" align="left">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Eliminations</font>

<p class="rrdsinglerule" align="left">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Consolidated<br />H&amp;R Block</font>

<p class="rrdsinglerule" align="left">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Total revenues </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ &#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 112,423 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 787,298 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ &#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 899,721 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Cost of revenues </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">193,695 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">758,839 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">952,534 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Selling, general and administrative </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">21,689 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">351,212 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">372,901 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Total expenses </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">215,384 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,110,051 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,325,435 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Operating loss </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(102,961 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(322,753 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(425,714 )</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Other income (expense), net </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(416,635 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">4,751 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">4,328 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">416,635 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">9,079 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Loss from continuing operations before tax benefit </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(416,635 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(98,210 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(318,425 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">416,635 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(416,635 )</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Income tax benefit </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(166,349 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(42,278 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(124,071 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">166,349 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(166,349 )</font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Net loss from continuing operations </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(250,286 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(55,932 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(194,354 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">250,286 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(250,286 )</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Net income (loss) from discontinued operations </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(2,165 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(12,617 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">10,452 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">2,165 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(2,165 )</font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Net loss </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (252,451 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (68,549 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (183,902 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 252,451 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (252,451 )</font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td></tr></table></div></div></div></div></div> </div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_ScheduleOfCondensedConsolidatingBalanceSheetTableTextBlock', window );">Schedule Of Condensed Consolidating Balance Sheets</a></td>
        <td class="text"><div> <div class="MetaData">

<p style="margin-top: 12px; margin-bottom: 0px;"><font style="font-family: Times New Roman;" class="_mt" size="2"><i> </i></font>&nbsp;</p>

<p style="margin-top: 12px; margin-bottom: 0px;"><font style="font-family: Times New Roman;" class="_mt" size="2"><i> </i></font>&nbsp;</p>

<p style="margin-top: 12px; margin-bottom: 0px;"><font style="font-family: Times New Roman;" class="_mt" size="2"><i>Condensed Consolidating Balance Sheets</i><b><i> </i></b></font></p>

<p style="margin-top: 0px; margin-bottom: 0px; font-size: 6px;">&nbsp;</p>

<table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center">
<tr><td style="width: 42%;"> </td>
<td style="width: 64pt;"> </td>
<td style="width: 55pt;"> </td>
<td style="width: 55pt;"> </td>
<td style="width: 58pt;"> </td>
<td style="width: 55pt;"> </td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">(in 000s)</font>

<p class="rrdsinglerule" align="left">&nbsp;</p></td></tr>
<tr><td valign="bottom" width="54%" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 0px;"><font style="font-family: Times New Roman;" class="_mt" size="1">As of January&nbsp;31, 2012</font></p>

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">H&amp;R&nbsp;Block,&nbsp;Inc.<br />(Guarantor)</font>

<p class="rrdsinglerule" align="left">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">BFC</font><br /><font style="font-family: Times New Roman;" class="_mt" size="1">(Issuer)</font>

<p class="rrdsinglerule" align="left">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Other<br />Subsidiaries</font>

<p class="rrdsinglerule" align="left">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Eliminations</font>

<p class="rrdsinglerule" align="left">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Consolidated<br />H&amp;R Block</font>

<p class="rrdsinglerule" align="left">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Cash&nbsp;&amp; cash equivalents </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ &#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 1,065,448 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 153,825 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (289 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 1,218,984 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Cash&nbsp;&amp; cash equivalents &#8211; restricted </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">2,254 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">31,914 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">34,168 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Receivables, net </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">63 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">502,231 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">533,608 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,035,902 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Mortgage loans held for investment </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">430,189 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">430,189 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Intangible assets and goodwill, net </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">701,743 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">701,743 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Investments in subsidiaries </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,694,728 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,706 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(1,694,728 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,706 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Other assets </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">8,841 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">535,743 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">885,513 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,430,097 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Total assets </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 1,703,632 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 2,535,865 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 2,308,309 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (1,695,017 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 4,852,789 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Customer deposits </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ &#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 1,588,277 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ &#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (289 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 1,587,988 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Long-term debt </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">999,235 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">41,002 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,040,237 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Commercial paper borrowings </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">230,947 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">230,947 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">FHLB borrowings </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">25,000 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">25,000 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Other liabilities </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">246 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(108,361 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,270,283 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,162,168 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Net intercompany advances </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">896,937 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">68,684 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(965,621 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Stockholders' equity </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">806,449 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(267,917 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,962,645 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(1,694,728 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">806,449 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Total liabilities and stockholders' equity </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 1,703,632 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 2,535,865 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 2,308,309 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (1,695,017 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 4,852,789 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td></tr></table>

<table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center">
<tr><td style="width: 42%;"> </td>
<td style="width: 64pt;"> </td>
<td style="width: 55pt;"> </td>
<td style="width: 58pt;"> </td>
<td style="width: 58pt;"> </td>
<td style="width: 55pt;"> </td></tr>
<tr><td valign="bottom" width="54%" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 0px;"><font style="font-family: Times New Roman;" class="_mt" size="1">As of April&nbsp;30, 2011</font></p>

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">H&amp;R&nbsp;Block,&nbsp;Inc.<br />(Guarantor)</font>

<p class="rrdsinglerule" align="left">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">BFC</font><br /><font style="font-family: Times New Roman;" class="_mt" size="1">(Issuer)</font>

<p class="rrdsinglerule" align="left">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Other<br />Subsidiaries</font>

<p class="rrdsinglerule" align="left">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Eliminations</font>

<p class="rrdsinglerule" align="left">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Consolidated<br />H&amp;R Block</font>

<p class="rrdsinglerule" align="left">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Cash&nbsp;&amp; cash equivalents </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ &#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 616,238 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 1,061,656 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (50 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 1,677,844 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Cash&nbsp;&amp; cash equivalents &#8211; restricted </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">9,522 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">38,861 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">48,383 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Receivables, net </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">88 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">102,011 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">128,073 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">230,172 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Mortgage loans held for investment, net </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">485,008 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">485,008 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Intangible assets and goodwill, net </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">709,493 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">709,493 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Investments in subsidiaries </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">2,699,555 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">32 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(2,699,555 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">32 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Assets held for sale </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">900,328 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">900,328 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Other assets </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">13,613 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">469,461 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">755,119 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,238,193 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Total assets </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 2,713,256 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 1,682,240 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 3,593,562 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (2,699,605 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 5,289,453 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Customer deposits </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ &#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 852,270 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ &#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (50 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 852,220 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Long&#8211;term debt </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">998,965 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">41,119 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,040,084 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">FHLB borrowings </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">25,000 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">25,000 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Liabilities held for sale </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">241,562 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">241,562 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Other liabilities </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">178 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(26,769 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,707,604 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,681,013 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Net intercompany advances </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,263,504 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">24,173 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(1,287,677 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Stockholders' equity </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,449,574 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(191,399 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">2,890,954 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(2,699,555 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,449,574 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Total&nbsp;liabilities&nbsp;and&nbsp;stockholders'&nbsp; equity </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 2,713,256 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 1,682,240 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 3,593,562 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (2,699,605 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 5,289,453 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td></tr></table></div> </div><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_ScheduleOfCondensedConsolidatingStatementOfCashFlowsTextBlock', window );">Schedule Of Condensed Consolidating Statements Of Cash Flows</a></td>
        <td class="text"><div> <div class="MetaData">

<p style="margin-top: 12px; margin-bottom: 0px;"><font style="font-family: Times New Roman;" class="_mt" size="2"><i>Condensed Consolidating Statements of Cash Flows </i><i> </i></font></p>

<p style="margin-top: 0px; margin-bottom: 0px; font-size: 12px;">&nbsp;</p>

<table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center">
<tr><td style="width: 43%;"> </td>
<td style="width: 64pt;"> </td>
<td style="width: 55pt;"> </td>
<td style="width: 55pt;"> </td>
<td style="width: 50pt;"> </td>
<td style="width: 58pt;"> </td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">(in 000s)</font>

<p class="rrdsinglerule" align="left">&nbsp;</p></td></tr>
<tr><td valign="bottom" width="52%" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 0px;"><font style="font-family: Times New Roman;" class="_mt" size="1">Nine months ended</font></p>

<p style="margin-top: 0px; margin-bottom: 0px;"><font style="font-family: Times New Roman;" class="_mt" size="1">January&nbsp;31, 2012</font></p>

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">H&amp;R&nbsp;Block,&nbsp;Inc.<br />(Guarantor)</font>

<p class="rrdsinglerule" align="left">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">BFC</font><br /><font style="font-family: Times New Roman;" class="_mt" size="1">(Issuer)</font>

<p class="rrdsinglerule" align="left">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Other<br />Subsidiaries</font>

<p class="rrdsinglerule" align="left">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Eliminations</font>

<p class="rrdsinglerule" align="left">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Consolidated<br />H&amp;R Block</font>

<p class="rrdsinglerule" align="left">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Net cash provided by (used in) operating activities: </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 8,193 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (448,362 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (942,602 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ &#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (1,382,771 )</font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Cash flows from investing:</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Purchases of available&#8211;for&#8211;sale securities </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(178,014 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(178,014 )</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Mortgage loans originated for investment, net </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">35,460 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">35,460 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Purchase property&nbsp;&amp; equipment </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(152 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(71,397 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(71,549 )</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Payments made for business acquisitions, net </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(16,022 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(16,022 )</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Proceeds from sale of businesses, net </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">533,055 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">533,055 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Loans made to franchisees </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(43,649 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(43,649 )</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Repayments from franchisees </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">8,455 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">8,455 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Net intercompany advances </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">322,729 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(322,729 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Other, net </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">47,230 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">8,564 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">55,794 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Net cash provided by (used in) investing activities </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">322,729 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(130,670 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">454,200 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(322,729 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">323,530 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Cash flows from financing:</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Repayments of commercial paper </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(413,221 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(413,221 )</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Proceeds&nbsp;from&nbsp;commercial&nbsp;paper </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">644,168 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">644,168 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Customer banking deposits </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">735,491 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(239 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">735,252 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Dividends paid </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(150,058 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(150,058 )</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Repurchase of common stock </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(180,566 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(180,566 )</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Proceeds from exercise of stock options, net </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(324 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(324 )</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Net intercompany advances </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">61,747 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(384,476 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">322,729 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Other, net </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">26 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">57 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(31,507 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(31,424 )</font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Net cash provided by (used in) financing activities </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(330,922 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,028,242 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(415,983 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">322,490 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">603,827 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Effects of exchange rates on cash </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(3,446 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(3,446 )</font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Net increase (decrease) in cash </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">449,210 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(907,831 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(239 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(458,860 )</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Cash &#8211; beginning of period </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">616,238 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,061,656 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(50 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,677,844 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Cash &#8211; end of period </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ &#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 1,065,448 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 153,825 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (289 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ &nbsp;1,218,984 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td></tr></table>

<p style="margin-top: 12px; margin-bottom: 0px; font-size: 1px;"><font size="3" class="_mt"> </font>&nbsp;</p>

<p style="margin-top: 0px; margin-bottom: 0px; font-size: 12px;">&nbsp;</p>

<table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center">
<tr><td style="width: 43%;"> </td>
<td style="width: 64pt;"> </td>
<td style="width: 58pt;"> </td>
<td style="width: 55pt;"> </td>
<td style="width: 50pt;"> </td>
<td style="width: 58pt;"> </td></tr>
<tr><td valign="bottom" width="55%" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 0px;"><font style="font-family: Times New Roman;" class="_mt" size="1">Nine months ended</font></p>

<p style="margin-top: 0px; margin-bottom: 0px;"><font style="font-family: Times New Roman;" class="_mt" size="1">January&nbsp;31, 2011</font></p>

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">H&amp;R&nbsp;Block,&nbsp;Inc.<br />(Guarantor)</font>

<p class="rrdsinglerule" align="left">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">BFC</font><br /><font style="font-family: Times New Roman;" class="_mt" size="1">(Issuer)</font>

<p class="rrdsinglerule" align="left">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Other</font><br /><font style="font-family: Times New Roman;" class="_mt" size="1">Subsidiaries</font>

<p class="rrdsinglerule" align="left">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Eliminations</font>

<p class="rrdsinglerule" align="left">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Consolidated</font><br /><font style="font-family: Times New Roman;" class="_mt" size="1">H&amp;R Block</font>

<p class="rrdsinglerule" align="left">&nbsp;</p></td></tr>
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<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Net cash used in operating activities: </font></p></td>
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<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (43,026 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (725,197 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (737,195 )</font></p></td>
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<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ &#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (1,505,418 )</font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
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<p class="rrdsinglerule">&nbsp;</p></td>
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<p class="rrdsinglerule">&nbsp;</p></td>
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<p class="rrdsinglerule">&nbsp;</p></td>
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<p class="rrdsinglerule">&nbsp;</p></td>
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<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Cash flows from investing:</font></p></td>
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<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
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<p class="la2">&nbsp;</p></td>
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<p class="la2">&nbsp;</p></td>
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<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Mortgage loans originated for investment, net </font></p></td>
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<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">45,316 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">45,316 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Purchase property&nbsp;&amp; equipment </font></p></td>
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<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(51,198 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(51,198 )</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Payments made for business acquisitions, net </font></p></td>
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<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(50,832 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(50,832 )</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Proceeds from sale of businesses, net </font></p></td>
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<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">62,298 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">62,298 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Loans made to franchisees </font></p></td>
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<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(90,304 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(90,304 )</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Repayments from franchisees </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">9,926 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">9,926 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Net intercompany advances </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">467,873 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(467,873 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Other, net </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">28,612 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">10,039 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">38,651 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Net cash provided by (used in) investing activities </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">467,873 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(6,450 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(29,693 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(467,873 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(36,143 )</font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Cash flows from financing:</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Repayments of short-term borrowings </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(2,654,653 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(2,654,653 )</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Proceeds from short-term borrowings </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">3,286,603 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">3,286,603 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Customer banking deposits </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,003,482 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(1,208 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,002,274 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Dividends paid </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(140,926 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(140,926 )</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Repurchase of common stock </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(283,494 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(283,494 )</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Proceeds from exercise of stock options </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(866 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(866 )</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Net intercompany advances </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(315,752 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(152,121 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">467,873 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Other, net </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">439 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(365 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(10,136 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(10,062 )</font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Net cash provided by (used in) financing activities </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(424,847 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,319,315 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(162,257 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">466,665 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,198,876 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Effects of exchange rates on cash </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">4,330 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">4,330 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Net increase (decrease) in cash </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">587,668 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(924,815 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(1,208 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(338,355 )</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Cash &#8211; beginning of period </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">702,021 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,102,135 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(111 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,804,045 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Cash &#8211; end of period </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ &#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 1,289,689 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 177,320 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (1,319 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 1,465,690 </font></p></td></tr></table></div> </div><span></span></td>
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<DOCUMENT>
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<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EZUDI">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>Mortgage Loans Held For Investment And Related Assets (Schedule Of Credit Quality Indicators And Portfolio Balance) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Jan. 31, 2012</div>
        </th>
        <th class="th">
          <div>Apr. 30, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems', window );"><strong>Mortgage Loans Held For Investment And Related Assets [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Total Portfolio</a></td>
        <td class="nump">$ 516,509<span></span></td>
        <td class="nump">$ 572,974<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Occupancy Status, Owner Occupied [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems', window );"><strong>Mortgage Loans Held For Investment And Related Assets [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Total Portfolio</a></td>
        <td class="nump">351,887<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Occupancy Status, Non-Owner Occupied [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems', window );"><strong>Mortgage Loans Held For Investment And Related Assets [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Total Portfolio</a></td>
        <td class="nump">164,622<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Documentation Level, Full Documentation [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems', window );"><strong>Mortgage Loans Held For Investment And Related Assets [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Total Portfolio</a></td>
        <td class="nump">235,502<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Documentation Level, Limited Documentation [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems', window );"><strong>Mortgage Loans Held For Investment And Related Assets [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Total Portfolio</a></td>
        <td class="nump">28,413<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Documentation Level, Stated Income [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems', window );"><strong>Mortgage Loans Held For Investment And Related Assets [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Total Portfolio</a></td>
        <td class="nump">209,491<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Documentation Level, No Documentation [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems', window );"><strong>Mortgage Loans Held For Investment And Related Assets [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Total Portfolio</a></td>
        <td class="nump">43,103<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Internal Risk Rating, High [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems', window );"><strong>Mortgage Loans Held For Investment And Related Assets [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Total Portfolio</a></td>
        <td class="nump">129,745<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Internal Risk Rating, Medium [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems', window );"><strong>Mortgage Loans Held For Investment And Related Assets [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Total Portfolio</a></td>
        <td class="nump">194,377<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Internal Risk Rating, Low [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems', window );"><strong>Mortgage Loans Held For Investment And Related Assets [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Total Portfolio</a></td>
        <td class="nump">192,387<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Purchased From SCC [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems', window );"><strong>Mortgage Loans Held For Investment And Related Assets [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Total Portfolio</a></td>
        <td class="nump">324,122<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Purchased From SCC [Member] | Occupancy Status, Owner Occupied [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems', window );"><strong>Mortgage Loans Held For Investment And Related Assets [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Total Portfolio</a></td>
        <td class="nump">229,463<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Purchased From SCC [Member] | Occupancy Status, Non-Owner Occupied [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems', window );"><strong>Mortgage Loans Held For Investment And Related Assets [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Total Portfolio</a></td>
        <td class="nump">94,659<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Purchased From SCC [Member] | Documentation Level, Full Documentation [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems', window );"><strong>Mortgage Loans Held For Investment And Related Assets [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Total Portfolio</a></td>
        <td class="nump">95,323<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Purchased From SCC [Member] | Documentation Level, Limited Documentation [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems', window );"><strong>Mortgage Loans Held For Investment And Related Assets [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Total Portfolio</a></td>
        <td class="nump">8,414<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Purchased From SCC [Member] | Documentation Level, Stated Income [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems', window );"><strong>Mortgage Loans Held For Investment And Related Assets [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Total Portfolio</a></td>
        <td class="nump">189,698<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Purchased From SCC [Member] | Documentation Level, No Documentation [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems', window );"><strong>Mortgage Loans Held For Investment And Related Assets [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Total Portfolio</a></td>
        <td class="nump">30,687<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Purchased From SCC [Member] | Internal Risk Rating, High [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems', window );"><strong>Mortgage Loans Held For Investment And Related Assets [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Total Portfolio</a></td>
        <td class="nump">129,745<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Purchased From SCC [Member] | Internal Risk Rating, Medium [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems', window );"><strong>Mortgage Loans Held For Investment And Related Assets [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Total Portfolio</a></td>
        <td class="nump">194,377<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">All Other [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems', window );"><strong>Mortgage Loans Held For Investment And Related Assets [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Total Portfolio</a></td>
        <td class="nump">192,387<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">All Other [Member] | Occupancy Status, Owner Occupied [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems', window );"><strong>Mortgage Loans Held For Investment And Related Assets [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Total Portfolio</a></td>
        <td class="nump">122,424<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">All Other [Member] | Occupancy Status, Non-Owner Occupied [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems', window );"><strong>Mortgage Loans Held For Investment And Related Assets [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Total Portfolio</a></td>
        <td class="nump">69,963<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">All Other [Member] | Documentation Level, Full Documentation [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems', window );"><strong>Mortgage Loans Held For Investment And Related Assets [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Total Portfolio</a></td>
        <td class="nump">140,179<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">All Other [Member] | Documentation Level, Limited Documentation [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems', window );"><strong>Mortgage Loans Held For Investment And Related Assets [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Total Portfolio</a></td>
        <td class="nump">19,999<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">All Other [Member] | Documentation Level, Stated Income [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems', window );"><strong>Mortgage Loans Held For Investment And Related Assets [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Total Portfolio</a></td>
        <td class="nump">19,793<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">All Other [Member] | Documentation Level, No Documentation [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems', window );"><strong>Mortgage Loans Held For Investment And Related Assets [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Total Portfolio</a></td>
        <td class="nump">12,416<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">All Other [Member] | Internal Risk Rating, Low [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems', window );"><strong>Mortgage Loans Held For Investment And Related Assets [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Total Portfolio</a></td>
        <td class="nump">$ 192,387<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
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                    <td><nobr>hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems</nobr></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Reflects the aggregate gross carrying amount of all categories of loans and leases held in portfolio, prior to deducting deferred income and the allowance for losses on loans and leases.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Statement of Position (SOP)<br><br> -Number 01-6<br><br> -Paragraph 13<br><br> -Subparagraph e<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6375948&amp;loc=d3e4428-111522<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0ERVAI">
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        <th class="th" colspan="1">9 Months Ended</th>
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        <th class="th" colspan="1">9 Months Ended</th>
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</div>
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          <div>CLOC Agreement [Member]</div>
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</div>
          <div>Senior Notes, 7.875%, Due January 2013 [Member]</div>
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          <div>Senior Notes, 7.875%, Due January 2013 [Member]</div>
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          <div>Senior Notes, 7.875%, Due January 2013 [Member]</div>
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          <div>Maximum [Member]</div>
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          <div>Maximum [Member]

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        <th class="th">
          <div>Jan. 31, 2012

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          <div>Maximum [Member]

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          <div>Minimum [Member]</div>
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          <div>Jan. 31, 2012

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          <div>Minimum [Member]

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      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentLineItems', window );"><strong>Debt Instrument [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommercialPaperNoncurrent', window );">Commercial paper</a></td>
        <td class="nump">$ 230,947,000<span></span></td>
        <td class="nump">$ 632,566,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SeniorNotes', window );">Senior Notes</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">599,871,000<span></span></td>
        <td class="nump">599,788,000<span></span></td>
        <td class="nump">599,758,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentMaturityDate', window );">Senior notes, maturity date</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">Jan.
        01,
         2013<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity', window );">Maximum funding by facility</a></td>
        <td class="nump">1,700,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LineOfCreditFacilityExpirationDate', window );">Expiration date of credit facility</a></td>
        <td class="text">July 31, 2013<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentBasisSpreadOnVariableRate', window );">Annual interest rate of facility</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">2.80%<span></span></td>
        <td class="nump">1.80%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">1.30%<span></span></td>
        <td class="nump">0.30%<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_MinimumNetWorthRequiredForCompliance', window );">Amount of minimum equity maintained</a></td>
        <td class="nump">650,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">500,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_ReductionOfAggregateOutstandingPrincipalAmount', window );">Reduction of the aggregate outstanding principal amount, maximum</a></td>
        <td class="nump">200,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_ReductionOfAggregateOutstandingPrincipalPeriod', window );">Reduction of aggregate outstanding principal period (in days)</a></td>
        <td class="nump">30<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_NetWorthInComplianceWithCovenants', window );">Net worth in compliance with covenants</a></td>
        <td class="nump">806,400,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_AmountOfAdvancedCapacity', window );">Amount of advanced capacity</a></td>
        <td class="nump">284,200,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LineOfCreditFacilityAmountOutstanding', window );">Line of credit, outstanding amount</a></td>
        <td class="nump">25,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LineOfCreditFacilityRemainingBorrowingCapacity', window );">Remaining funding available</a></td>
        <td class="nump">259,200,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_MortgageLoansHeldForInvestmentAsCollateral', window );">Mortgage loans held for investment as collateral</a></td>
        <td class="nump">$ 372,700,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_PercentageOfAnnualFacilityFee', window );">Percentage of annual facility fee</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">0.70%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">0.20%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_hrb_AmountOfAdvancedCapacity">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of advanced capacity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_AmountOfAdvancedCapacity</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>hrb_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_hrb_MortgageLoansHeldForInvestmentAsCollateral">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Mortgage loans held for investment as collateral.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_MortgageLoansHeldForInvestmentAsCollateral</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>hrb_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_hrb_NetWorthInComplianceWithCovenants">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Net worth in compliance with covenants.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_NetWorthInComplianceWithCovenants</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>hrb_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_hrb_PercentageOfAnnualFacilityFee">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Percentage of annual facility fee</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_PercentageOfAnnualFacilityFee</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>hrb_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_hrb_ReductionOfAggregateOutstandingPrincipalAmount">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Reduction of the aggregate outstanding principal amount.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_ReductionOfAggregateOutstandingPrincipalAmount</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>hrb_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_hrb_ReductionOfAggregateOutstandingPrincipalPeriod">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Reduction of aggregate outstanding principal period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_ReductionOfAggregateOutstandingPrincipalPeriod</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>hrb_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:positiveIntegerItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
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        <tr>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Carrying value as of the balance sheet date of long-term unsecured obligations issued by corporations and other borrowers to investors (with maturities initially due after one year or beyond the operating cycle if longer), excluding current portion.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 22<br><br> -Article 5<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.22)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                  <tr>
                    <td><strong> Name:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The percentage points added to the reference rate to compute the variable rate on the debt instrument.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DebtInstrumentBasisSpreadOnVariableRate</nobr></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DebtInstrumentLineItems</nobr></td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Date when the debt instrument is scheduled to be fully repaid, which may be presented in a variety of ways (year, month and year, day, month and year, quarter, etc.).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 129<br><br> -Paragraph 2, 4<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 22<br><br> -Article 5<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.22(a)(2))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DebtInstrumentMaturityDate</nobr></td>
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                    <td>us-gaap_</td>
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                    <td>duration</td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount borrowed under the credit facility as of the balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 19, 22<br><br> -Article 5<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LineOfCreditFacilityAmountOutstanding</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
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                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Reflects when the credit facility terminates, which may be presented in a variety of ways (year, month and year, day, month and year, quarter).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 129<br><br> -Paragraph 2, 4<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 19, 22<br><br> -Article 5<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.19(b),22(b))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LineOfCreditFacilityExpirationDate</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
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                    <td>duration</td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Maximum borrowing capacity under the credit facility without consideration of any current restrictions on the amount that could be borrowed or the amounts currently outstanding under the facility.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 129<br><br> -Paragraph 2, 4<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 19, 22<br><br> -Article 5<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.19(b),22(b))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LineOfCreditFacilityMaximumBorrowingCapacity</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of borrowing capacity currently available under the credit facility (current borrowing capacity less the amount of borrowings outstanding).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 19, 22<br><br> -Article 5<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.19(b),22(b))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LineOfCreditFacilityRemainingBorrowingCapacity</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_MinimumNetWorthRequiredForCompliance">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The lowest amount of net worth (total assets minus total liabilities) required by secondary market investors or state-imposed regulatory mandates.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 17<br><br> -Paragraph 54<br><br> -Subparagraph 3a<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 948<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6490092&amp;loc=d3e47304-110998<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 948<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (c)(a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6490092&amp;loc=d3e47080-110998<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_MinimumNetWorthRequiredForCompliance</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                    <td>instant</td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SeniorNotes">
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Including the current and noncurrent portions, carrying value as of the balance sheet date of Notes with the highest claim on the assets of the issuer in case of bankruptcy or liquidation (with maturities initially due after one year or beyond the operating cycle if longer). Senior note holders are paid off in full before any payments are made to junior note holders.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 16<br><br> -Article 9<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.16)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-03.16(a))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879938&amp;loc=d3e572229-122910<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_SeniorNotes</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EABAE">
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          <div style="width: 200px;"><strong>Investments In Available-For-Sale Securities (Contractual Maturities Of AFS Debt Securities At Varying Dates Over The Next 30 Years) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
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        <th class="th">
          <div>Jan. 31, 2012</div>
        </th>
        <th class="th">
          <div>Apr. 30, 2011</div>
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      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAbstract', window );"><strong>Investments In Available-For-Sale Securities [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost', window );">Contractual maturities of AFS debt securities Cost Basis, Less than one year</a></td>
        <td class="nump">$ 2,001<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost', window );">Contractual maturities of AFS debt securities Cost Basis, Two to five years</a></td>
        <td class="nump">4,204<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost', window );">Contractual maturities of AFS debt securities Cost Basis, Six to ten years</a></td>
        <td class="nump">1,056<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost', window );">Contractual maturities of AFS debt securities Cost Basis, Beyond</a></td>
        <td class="nump">303,519<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost', window );">Contractual maturities of AFS debt securities Cost Basis, Total</a></td>
        <td class="nump">310,780<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue', window );">Contractual maturities of AFS debt securities Fair Value, Less than one year</a></td>
        <td class="nump">2,004<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue', window );">Contractual maturities of AFS debt securities Fair Value, Two to five years</a></td>
        <td class="nump">4,502<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue', window );">Contractual maturities of AFS debt securities Fair Value, Six to ten years</a></td>
        <td class="nump">1,206<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue', window );">Contractual maturities of AFS debt securities Fair Value, Beyond</a></td>
        <td class="nump">306,475<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesFairValueDisclosure', window );">Contractual maturities of AFS debt securities Fair Value, Total</a></td>
        <td class="nump">$ 314,187<span></span></td>
        <td class="nump">$ 166,917<span></span></td>
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    <div style="display: none;">
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
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                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesAbstract</nobr></td>
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                    <td>us-gaap_</td>
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                    <td>xbrli:stringItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents debt securities, at cost, net of adjustments including accretion, amortization, collection of cash, previous other-than-temporary impairments recognized in earnings (less any cumulative-effect adjustments, as defined), and fair value hedge accounting adjustments, if any, which are expected to mature after five years and through ten years from the balance sheet date and which are categorized neither as held-to-maturity nor trading securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name FASB Staff Position (FSP)<br><br> -Number FAS115-1/124-1<br><br> -Paragraph 7<br><br> -Footnote 2<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 20<br><br> -Subparagraph c<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsAmortizedCost</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the fair value of debt securities which are expected to mature after five years and through ten years from the balance sheet date and which are categorized neither as held-to-maturity nor trading securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 20<br><br> -Subparagraph c<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (a),(d)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6872113&amp;loc=d3e27161-111563<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 320<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6957658&amp;loc=d3e62586-112803<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterFiveThroughTenYearsFairValue</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents debt securities, at cost, net of adjustments including accretion, amortization, collection of cash, previous other-than-temporary impairments recognized in earnings (less any cumulative-effect adjustments, as defined), and fair value hedge accounting adjustments, if any, which are expected to mature after one year and through five years from the balance sheet date and which are categorized neither as held-to-maturity nor trading securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name FASB Staff Position (FSP)<br><br> -Number FAS115-1/124-1<br><br> -Paragraph 7<br><br> -Footnote 2<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 20<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsAmortizedCost</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the fair value of debt securities which are expected to mature after one year and through five years from the balance sheet date and which are categorized neither as held-to-maturity nor trading securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 20<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (a),(d)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6872113&amp;loc=d3e27161-111563<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 320<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6957658&amp;loc=d3e62586-112803<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterOneThroughFiveYearsFairValue</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents debt securities, at cost, net of adjustments including accretion, amortization, collection of cash, previous other-than-temporary impairments recognized in earnings (less any cumulative-effect adjustments, as defined), and fair value hedge accounting adjustments, if any, which are expected to mature after ten years from the balance sheet date and which are categorized neither as held-to-maturity nor trading securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name FASB Staff Position (FSP)<br><br> -Number FAS115-1/124-1<br><br> -Paragraph 7<br><br> -Footnote 2<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 20<br><br> -Subparagraph d<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsAmortizedCost</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the fair value of debt securities which are expected to mature after ten years from the balance sheet date which are categorized neither as held-to-maturity nor trading securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 20<br><br> -Subparagraph d<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 320<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (d)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6957658&amp;loc=d3e62586-112803<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (a),(d)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6872113&amp;loc=d3e27161-111563<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAfterTenYearsFairValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the total of all debt securities grouped by maturity dates, at cost, net of adjustments including accretion, amortization, collection of cash, previous other-than-temporary impairments recognized in earnings (less any cumulative-effect adjustments, as defined), and fair value hedge accounting adjustments, if any, which are classified neither as held-to-maturity nor trading securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name FASB Staff Position (FSP)<br><br> -Number FAS115-1/124-1<br><br> -Paragraph 7<br><br> -Footnote 2<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 20<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesDebtMaturitiesAmortizedCost</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
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            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents debt securities, at cost, net of adjustments including accretion, amortization, collection of cash, previous other-than-temporary impairments recognized in earnings (less any cumulative-effect adjustments, as defined), and fair value hedge accounting adjustments, if any, which are expected to mature within one year of the balance sheet date and which are categorized neither as held-to-maturity nor trading securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name FASB Staff Position (FSP)<br><br> -Number FAS115-1/124-1<br><br> -Paragraph 7<br><br> -Footnote 2<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 20<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearAmortizedCost</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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          </td>
        </tr>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the fair value of debt securities which are expected to mature within one year of the balance sheet date and which are categorized neither as held-to-maturity nor trading securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 20<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (a),(d)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6872113&amp;loc=d3e27161-111563<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 320<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6957658&amp;loc=d3e62586-112803<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesDebtMaturitiesWithinOneYearFairValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesFairValueDisclosure">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally, this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure in the same submission. This item represents Available-for-sale Securities which consist of all investments in certain debt and equity securities neither classified as trading or held-to-maturity securities. A debt security represents a creditor relationship with an enterprise. Debt securities include, among other items, US Treasury securities, US government securities, municipal securities, corporate bonds, convertible debt, commercial paper, and all securitized debt instruments. An equity security represents an ownership interest in an enterprise or the right to acquire or dispose of an ownership interest in an enterprise at fixed or determinable prices. Equity securities include, among other things, common stock, certain preferred stock, warrant rights, call options, and put options, but do not include convertible debt. An entity may opt to provide the reader with additional narrative text to better understand the nature of investments in debt and equity securities which are categorized as Available-for-sale.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 12<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 25<br><br> -Paragraph 1<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6379932&amp;loc=d3e22054-111558<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Available-for-Sale Securities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6505594<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesFairValueDisclosure</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EJWAE">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Mortgage Loans Held For Investment And Related Assets (Narrative) (Details) (USD $)<br>In Millions, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="1">9 Months Ended</th>
        <th class="th" colspan="1"></th>
      </tr>
      <tr>
        <th class="th">
          <div>Jan. 31, 2012</div>
        </th>
        <th class="th">
          <div>Apr. 30, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems', window );"><strong>Mortgage Loans Held For Investment And Related Assets [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_LoanLossReserveToMortgageLoans', window );">Loan loss reserve as a percentage of mortgage loans</a></td>
        <td class="nump">17.40%<span></span></td>
        <td class="nump">16.10%<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_PercentageOfMortgageLoanPortfolioConsistingOfBorrowersFromFloridaCaliforniaAndNewYork', window );">Percentage of mortgage loan portfolio consisting of borrowers from Florida, California and New York</a></td>
        <td class="nump">52.00%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_LoansAndReceivablesHeldForInvestmentTotal', window );">Loans held for investment</a></td>
        <td class="nump">$ 192.4<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_InSubstanceForeclosures', window );">In-substance foreclosures</a></td>
        <td class="nump">$ 5.7<span></span></td>
        <td class="nump">$ 7.7<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">HRB Bank Interest-Only Mortgage [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems', window );"><strong>Mortgage Loans Held For Investment And Related Assets [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ConcentrationRiskPercentage', window );">Percent of loans purchased</a></td>
        <td class="nump">63.00%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Minimum Credit Score [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems', window );"><strong>Mortgage Loans Held For Investment And Related Assets [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_LoanToValueAtOriginationInOrderToHaveInternalRiskRatingOfMedium', window );">Loan-to-value at origination in order to have internal risk rating of medium</a></td>
        <td class="nump">80.00%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_MinimumCreditScoreToBeGivenInternalRiskRatingOfLow', window );">Minimum credit score to be given internal risk rating of low</a></td>
        <td class="nump">700<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Maximum Credit Score [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems', window );"><strong>Mortgage Loans Held For Investment And Related Assets [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_LoanToValueAtOriginationInOrderToHaveInternalRiskRatingOfMedium', window );">Loan-to-value at origination in order to have internal risk rating of medium</a></td>
        <td class="nump">80.00%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_MaximumCreditScoreToBeGivenInternalRiskRatingOfMedium', window );">Maximum credit score to be given internal risk rating of medium</a></td>
        <td class="nump">700<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
    </table>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>In-substance foreclosures</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_InSubstanceForeclosures</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>hrb_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_hrb_LoanLossReserveToMortgageLoans">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Loan Loss Reserve To Mortgage Loans</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_LoanLossReserveToMortgageLoans</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>hrb_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
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        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_hrb_LoansAndReceivablesHeldForInvestmentTotal">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Loans and Receivables Held for Investment Total</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_LoansAndReceivablesHeldForInvestmentTotal</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>hrb_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_hrb_LoanToValueAtOriginationInOrderToHaveInternalRiskRatingOfMedium">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Loan-to-value at Origination in Order to Have Internal Risk Rating of Medium</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_LoanToValueAtOriginationInOrderToHaveInternalRiskRatingOfMedium</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>hrb_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_hrb_MaximumCreditScoreToBeGivenInternalRiskRatingOfMedium">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Maximum Credit Score to Be Given Internal Risk Rating of Medium</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_MaximumCreditScoreToBeGivenInternalRiskRatingOfMedium</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>hrb_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:positiveIntegerItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
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          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_hrb_MinimumCreditScoreToBeGivenInternalRiskRatingOfLow">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Minimum Credit Score To Be Given Internal Risk Rating Of Low</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_MinimumCreditScoreToBeGivenInternalRiskRatingOfLow</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>hrb_</td>
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                    <td>xbrli:positiveIntegerItemType</td>
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                    <td>na</td>
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                    <td>duration</td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>hrb_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
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                    <td>na</td>
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                    <td>duration</td>
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              </div>
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          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_hrb_PercentageOfMortgageLoanPortfolioConsistingOfBorrowersFromFloridaCaliforniaAndNewYork">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Percentage Of Mortgage Loan Portfolio Consisting Of Borrowers From Florida, California And New York</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_PercentageOfMortgageLoanPortfolioConsistingOfBorrowersFromFloridaCaliforniaAndNewYork</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>hrb_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
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          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ConcentrationRiskPercentage">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>For an entity that discloses a concentration risk in relation to quantitative amount, which serves as the "benchmark" (or denominator) in the equation, this concept represents the concentration percentage derived from the division.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 275<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 20<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6927468&amp;loc=d3e6404-108592<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 825<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 21<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6947722&amp;loc=d3e13537-108611<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 825<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 20<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6947722&amp;loc=d3e13531-108611<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 275<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 18<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6927468&amp;loc=d3e6351-108592<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ConcentrationRiskPercentage</nobr></td>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Receivables<br></strong></div>
        </th>
        <th class="th" colspan="1">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Jan. 31, 2012</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsAndNotesReceivableUnclassifiedAbstract', window );"><strong>Receivables [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansNotesTradeAndOtherReceivablesDisclosureTextBlock', window );">Receivables</a></td>
        <td class="text"><div> <p style="margin-top: 18px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2"><b>3. Receivables </b></font></p>

<p style="margin-top: 6px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">Short-term receivables of our continuing operations consist of the following: </font></p>

<table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="84%" align="center">
<tr><td style="width: 44%;"> </td>
<td style="width: 69pt;"> </td>
<td style="width: 69pt;"> </td>
<td style="width: 61pt;"> </td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"><font style="font-family: Times New Roman;" class="_mt" size="1">(in 000s)</font> </td></tr>
<tr><td valign="bottom" width="60%" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 0px;"><font style="font-family: Times New Roman;" class="_mt" size="1">As of</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"><font style="font-family: Times New Roman;" class="_mt" size="1">January&nbsp;31,&nbsp;2012</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"><font style="font-family: Times New Roman;" class="_mt" size="1">January&nbsp;31,&nbsp;2011</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"><font style="font-family: Times New Roman;" class="_mt" size="1">April&nbsp;30,&nbsp;2011</font> </td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Emerald Advance lines of credit </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 443,717 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 674,317 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 31,645 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Receivables for tax preparation and related fees </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">333,636 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">280,364 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">38,930 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Royalties from franchisees </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">88,597 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">84,049 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">11,645 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Loans to franchisees </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">81,415 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">85,269 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">62,181 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Receivable from M&amp;P </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">32,342 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">RAC fees receivable </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">28,942 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">51,704 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Tax client receivables related to RALs </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,727 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">4,874 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">2,412 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Other </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">89,665 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">95,732 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">131,302 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,100,041 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,276,309 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">278,115 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Allowance for doubtful accounts </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(64,139 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(102,837 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(47,943 )</font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 1,035,902 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 1,173,472 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 230,172 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td></tr></table>

<p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">As discussed in note 1, we have a short-term receivable for $<font class="_mt">32.3</font> million and a long-term note receivable in the amount of $<font class="_mt">54.0</font> million due from M&amp;P related to the sale of RSM. The short-term receivable note is based on the final post-closing adjustments to the purchase price we expect to receive. The long-term note is unsecured and bears interest at a rate of <font class="_mt">8.0</font>%, with all principal and accrued interest due in May 2017. As of January 31, 2012, there is no allowance recorded related to the short-term receivable or the long-term note, however we will monitor publicly available information relevant to the financial condition of M&amp;P to assess future collectability. The long-term note is included in other assets in our condensed consolidated balance sheet. </font></p>

<p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" 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></p>

<p style="margin-top: 0px; margin-bottom: 0px; font-size: 12px;">&nbsp;</p>

<table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="84%" align="center">
<tr><td style="width: 41%;"> </td>
<td style="width: 72pt;"> </td>
<td style="width: 79pt;"> </td>
<td style="width: 60pt;"> </td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"><font style="font-family: Times New Roman;" class="_mt" size="1">(in 000s)</font> </td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Emerald&nbsp;Advance</font><br /><font style="font-family: Times New Roman;" class="_mt" size="1">Lines&nbsp;of&nbsp; Credit</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Tax Client</font><br /><font style="font-family: Times New Roman;" class="_mt" size="1">Receivables&nbsp;-&nbsp;RALs</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Loans</font><br /><font style="font-family: Times New Roman;" class="_mt" size="1">to&nbsp;Franchisees</font> </td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">As of January&nbsp;31, 2012:</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Short-term </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 443,717 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 1,727 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 81,415 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Long-term </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">15,001 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">5,120 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">134,136 </font></p></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 458,718 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 6,847 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 215,551 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">As of January&nbsp;31, 2011:</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Short-term </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 674,317 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 4,874 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 85,269 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Long-term </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">13,608 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">5,856 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">131,340 </font></p></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 687,925 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 10,730 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 216,609 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">As of April&nbsp;30, 2011:</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Short-term </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 31,645 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 2,412 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 62,181 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Long-term </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">21,619 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">5,855 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">110,420 </font></p></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 53,264 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 8,267 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 172,601 </font></p></td></tr></table>

<p style="margin-top: 0px; margin-bottom: 0px;"><font class="_mt" size="1"> </font></p>

<p style="margin-top: 12px; margin-bottom: 0px; font-size: 1px;">&nbsp;</p>

<p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">We review the credit quality of our EA receivables and tax client receivables related to RALs based on pools, which are segregated by the year of origination, with older years being deemed more unlikely to be repaid. These amounts as of January 31, 2012, by year of origination, are as follows: </font></p>

<p style="margin-top: 0px; margin-bottom: 0px; font-size: 12px;">&nbsp;</p>

<table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="76%" align="center">
<tr><td style="width: 46%;"> </td>
<td style="width: 72pt;"> </td>
<td style="width: 79pt;"> </td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"><font style="font-family: Times New Roman;" class="_mt" size="1">(in 000s)</font> </td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Emerald&nbsp;Advance</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Tax Client</font></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Lines&nbsp;of&nbsp;Credit</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Receivables&nbsp;-&nbsp;RALs</font> </td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Credit Quality Indicator &#8211; Year of origination:</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">2012 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 410,648 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ &#8212;&nbsp;&nbsp; </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">2011 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">21,913 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">2010 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">4,848 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">2009 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">4,866 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">2,034 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">2008 and prior </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">2,045 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">4,813 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Revolving loans </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">14,398 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 458,718 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 6,847 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td></tr></table>

<p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">As of January 31, 2012 and April 30, 2011, $<font class="_mt">41.4</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&nbsp;<font class="_mt">60</font> days past due. All tax client receivables related to RALs are considered impaired. </font></p>

<p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">Loans made to franchisees totaled $215.6 million at January 31, 2012, and consisted of $<font class="_mt">150.4</font> million in term loans made to finance the purchase of franchises and $<font class="_mt">65.2</font> million in revolving lines of credit made to existing franchisees primarily for the purpose of funding their off-season needs. </font></p>

<p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">Activity in the allowance for doubtful accounts for the nine months ended January 31, 2012 and 2011 is as follows: </font></p>

<p style="margin-top: 0px; margin-bottom: 0px; font-size: 12px;">&nbsp;</p>

<table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center">
<tr><td style="width: 42%;"> </td>
<td style="width: 67pt;"> </td>
<td style="width: 74pt;"> </td>
<td style="width: 55pt;"> </td>
<td style="width: 45pt;"> </td>
<td style="width: 47pt;"> </td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"><font style="font-family: Times New Roman;" class="_mt" size="1">(in 000s)</font> </td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Emerald&nbsp;Advance</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Tax Client</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Loans</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">All</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Lines&nbsp;of&nbsp;Credit</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Receivables&nbsp;-&nbsp;RALs</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">to&nbsp;Franchisees</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Other</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Total</font> </td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Balance as of April&nbsp;30, 2011 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 4,400 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ &#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ &#8212; <br />&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 43,543 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 47,943 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Provision </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">33,570 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">17,062 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">50,632 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Charge-offs </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(34,436 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(34,436 )</font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Balance as of January&nbsp;31, 2012 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 37,970 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ &#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ &#8212; <br />&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 26,169 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 64,139 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Balance as of April&nbsp;30, 2010 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 35,239 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 12,191 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 4 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 43,723 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 91,157 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Provision </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">71,325 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">2 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">22,961 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">94,288 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Charge-offs </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(32,919 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(12,193 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(4 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(37,492 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(82,608 )</font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Balance as of January&nbsp;31, 2011 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 73,645 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ &#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ &#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 29,192 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 102,837 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td></tr></table>

<p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">There were no changes to our methodology related to the calculation of our allowance for doubtful accounts during the nine months ended January 31, 2012.</font></p> </div><span></span></td>
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                <p>The entire disclosure for claims held for amounts due a company. Examples include trade accounts receivables, notes receivables, loans receivables.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6965416&amp;loc=d3e5066-111524<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 7<br><br> -Article 9<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Statement of Position (SOP)<br><br> -Number 01-6<br><br> -Paragraph 13<br><br> -Subparagraph d<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6965416&amp;loc=d3e5162-111524<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 3, 4<br><br> -Article 5<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(k))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6881521&amp;loc=d3e23780-122690<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.3,4)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 4<br><br> -Section 08<br><br> -Paragraph k<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6965416&amp;loc=d3e5074-111524<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EMGDI">
      <tr>
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          <div style="width: 200px;"><strong>Assets And Liabilities Measured At Fair Value (Fair Value Assets Measured At Fair Value On A Recurring And Non-Recurring Basis) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="2">9 Months Ended</th>
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      <tr>
        <th class="th">
          <div>Jan. 31, 2012</div>
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        <th class="th">
          <div>Jan. 31, 2011</div>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_GainOrLossOnFinancialInstruments', window );">Total, Gain (loss) on financial instruments</a></td>
        <td class="num">$ (4,351)<span></span></td>
        <td class="num">$ (10,590)<span></span></td>
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      <tr class="rh">
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          <div class="a">Total [Member]</div>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsOwnedAtFairValue', window );">Total financial assets at fair value</a></td>
        <td class="nump">434,579<span></span></td>
        <td class="nump">222,282<span></span></td>
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        <td class="nump">9.00%<span></span></td>
        <td class="nump">3.80%<span></span></td>
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          <div class="a">Level 1 [Member]</div>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsOwnedAtFairValue', window );">Total financial assets at fair value</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_FinancialInstrumentsAsPercentageOfTotalAssets', window );">As a percentage of total assets</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
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          <div class="a">Level 2 [Member]</div>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsOwnedAtFairValue', window );">Total financial assets at fair value</a></td>
        <td class="nump">314,187<span></span></td>
        <td class="nump">28,688<span></span></td>
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        <td class="nump">6.50%<span></span></td>
        <td class="nump">0.50%<span></span></td>
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          <div class="a">Level 3 [Member]</div>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FinancialInstrumentsOwnedAtFairValue', window );">Total financial assets at fair value</a></td>
        <td class="nump">120,392<span></span></td>
        <td class="nump">193,594<span></span></td>
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        <td class="nump">2.50%<span></span></td>
        <td class="nump">3.30%<span></span></td>
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        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GainLossOnInvestments', window );">Gain (loss) on investments</a></td>
        <td class="nump">2,956<span></span></td>
        <td class="num">(91)<span></span></td>
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          <div class="a">Recurring [Member] | Mortgage-Backed Securities [Member] | Total [Member]</div>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InvestmentsFairValueDisclosure', window );">Investments</a></td>
        <td class="nump">306,475<span></span></td>
        <td class="nump">19,927<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Recurring [Member] | Mortgage-Backed Securities [Member] | Level 1 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InvestmentsFairValueDisclosure', window );">Investments</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Recurring [Member] | Mortgage-Backed Securities [Member] | Level 2 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InvestmentsFairValueDisclosure', window );">Investments</a></td>
        <td class="nump">306,475<span></span></td>
        <td class="nump">19,927<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Recurring [Member] | Municipal Bonds [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GainLossOnInvestments', window );">Gain (loss) on investments</a></td>
        <td class="nump">451<span></span></td>
        <td class="nump">380<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Recurring [Member] | Municipal Bonds [Member] | Total [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InvestmentsFairValueDisclosure', window );">Investments</a></td>
        <td class="nump">7,712<span></span></td>
        <td class="nump">8,740<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Recurring [Member] | Municipal Bonds [Member] | Level 1 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InvestmentsFairValueDisclosure', window );">Investments</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Recurring [Member] | Municipal Bonds [Member] | Level 2 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InvestmentsFairValueDisclosure', window );">Investments</a></td>
        <td class="nump">7,712<span></span></td>
        <td class="nump">8,740<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Recurring [Member] | Trust Preferred Security [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GainLossOnInvestments', window );">Gain (loss) on investments</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(1,575)<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Recurring [Member] | Trust Preferred Security [Member] | Total [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InvestmentsFairValueDisclosure', window );">Investments</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">21<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Recurring [Member] | Trust Preferred Security [Member] | Level 1 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InvestmentsFairValueDisclosure', window );">Investments</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Recurring [Member] | Trust Preferred Security [Member] | Level 2 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InvestmentsFairValueDisclosure', window );">Investments</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">21<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Non-Recurring [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_GainOrLossOnRealEstateOwned', window );">Gain (loss), REO</a></td>
        <td class="num">(772)<span></span></td>
        <td class="num">(1,512)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_GainOrLossOnImpairedMortgageLoansHeldForInvestment', window );">Gain (loss), Impaired mortgage loans held for investment</a></td>
        <td class="num">(6,986)<span></span></td>
        <td class="num">(7,792)<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Non-Recurring [Member] | Total [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_RealEstateOwnedLoansFairValueDisclosure', window );">REO</a></td>
        <td class="nump">16,883<span></span></td>
        <td class="nump">19,532<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_MortgageLoansFairValueDisclosure', window );">Impaired mortgage loans held for investment</a></td>
        <td class="nump">103,509<span></span></td>
        <td class="nump">174,062<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Non-Recurring [Member] | Level 1 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_RealEstateOwnedLoansFairValueDisclosure', window );">REO</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_MortgageLoansFairValueDisclosure', window );">Impaired mortgage loans held for investment</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Non-Recurring [Member] | Level 2 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_RealEstateOwnedLoansFairValueDisclosure', window );">REO</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_MortgageLoansFairValueDisclosure', window );">Impaired mortgage loans held for investment</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Non-Recurring [Member] | Level 3 [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueAssetsAndLiabilitiesMeasuredOnRecurringAndNonrecurringBasisLineItems', window );"><strong>Fair Value, Assets and Liabilities Measured on Recurring and Nonrecurring Basis [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_RealEstateOwnedLoansFairValueDisclosure', window );">REO</a></td>
        <td class="nump">16,883<span></span></td>
        <td class="nump">19,532<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_MortgageLoansFairValueDisclosure', window );">Impaired mortgage loans held for investment</a></td>
        <td class="nump">$ 103,509<span></span></td>
        <td class="nump">$ 174,062<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_hrb_FinancialInstrumentsAsPercentageOfTotalAssets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Financial instruments as percentage of total assets</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_FinancialInstrumentsAsPercentageOfTotalAssets</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>hrb_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_hrb_GainOrLossOnFinancialInstruments">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Gain or loss on financial instruments</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_GainOrLossOnFinancialInstruments</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>hrb_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
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                <p>Gain or loss on real estate owned</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                <p>Mortgage loans, fair value disclosure</p>
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                <p>No definition available.</p>
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Real estate owned loans, fair value disclosure</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                  <tr>
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                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate fair value as of the balance sheet date of financial instruments and other positions owned by the entity including: (1) mortgages, mortgage-backed and asset backed securities; (2) US government and agency obligations; (3) state and municipal government obligations; (4) other sovereign government debt; (5) corporate obligations; (6) corporate equities; (7) principal investments; (8) derivative contracts; and (9) physical commodities. Includes both pledged and unpledged holdings.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-BRD<br><br> -Chapter 4<br><br> -Paragraph 80<br><br> -Subparagraph Exhibit 4-3<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-BRD<br><br> -Chapter 4<br><br> -Paragraph 38, 40<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 940<br><br> -SubTopic 320<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6475986&amp;loc=d3e42546-110969<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the net total realized and unrealized gain (loss) included in earnings for the period as a result of selling or holding marketable securities categorized as trading, available-for-sale, or held-to-maturity, including the unrealized holding gain (loss) of held-to-maturity securities transferred to the trading security category and the cumulative unrealized gain (loss) which was included in other comprehensive income (a separate component of shareholders' equity) for available-for-sale securities transferred to trading securities during the period. Additionally, this item would include any gains (losses) realized during the period from the sale of investments accounted for under the cost method of accounting and losses recognized for other than temporary impairments (OTTI) of the subject investments.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.7(c),9(a))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 28<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -Subparagraph (c)-(e)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6872113&amp;loc=d3e27357-111563<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 13, 22<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 5<br><br> -Section 03<br><br> -Paragraph 7<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 10<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6872113&amp;loc=d3e27405-111563<br><br><br><br></p>
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                    <td>duration</td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally, this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure in the same submission. This item represents investment securities as of the balance sheet date which may include marketable securities, derivative financial instruments, and investments accounted for under the equity method.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Available-for-Sale Securities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6505594<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 25<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6379932&amp;loc=d3e22054-111558<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 13<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Trading Securities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6526789<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 12<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 7<br><br> -Section 03<br><br> -Paragraph 1<br><br> -Subparagraph a, f, g<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 35<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6956420&amp;loc=d3e24584-111560<br><br><br><br></p>
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<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EMTBG">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>Receivables (Schedule Of Short-Term Receivables) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Jan. 31, 2012</div>
        </th>
        <th class="th">
          <div>Apr. 30, 2011</div>
        </th>
        <th class="th">
          <div>Jan. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesAndLoansReceivableGrossCurrent', window );">Receivables, gross</a></td>
        <td class="nump">$ 1,100,041<span></span></td>
        <td class="nump">$ 278,115<span></span></td>
        <td class="nump">$ 1,276,309<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForDoubtfulAccountsReceivableCurrent', window );">Allowance for doubtful accounts</a></td>
        <td class="num">(64,139)<span></span></td>
        <td class="num">(47,943)<span></span></td>
        <td class="num">(102,837)<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsReceivableNetCurrent', window );">Receivables, net</a></td>
        <td class="nump">1,035,902<span></span></td>
        <td class="nump">230,172<span></span></td>
        <td class="nump">1,173,472<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Emerald Advance Lines Of Credit [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesAndLoansReceivableGrossCurrent', window );">Receivables, gross</a></td>
        <td class="nump">443,717<span></span></td>
        <td class="nump">31,645<span></span></td>
        <td class="nump">674,317<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Receivables For Tax Preparation And Related Fees [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesAndLoansReceivableGrossCurrent', window );">Receivables, gross</a></td>
        <td class="nump">333,636<span></span></td>
        <td class="nump">38,930<span></span></td>
        <td class="nump">280,364<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Royalties From Franchisees [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesAndLoansReceivableGrossCurrent', window );">Receivables, gross</a></td>
        <td class="nump">88,597<span></span></td>
        <td class="nump">11,645<span></span></td>
        <td class="nump">84,049<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Loans To Franchisees [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesAndLoansReceivableGrossCurrent', window );">Receivables, gross</a></td>
        <td class="nump">81,415<span></span></td>
        <td class="nump">62,181<span></span></td>
        <td class="nump">85,269<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Receivable From M&amp;P [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesAndLoansReceivableGrossCurrent', window );">Receivables, gross</a></td>
        <td class="nump">32,342<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">RAC Fees Receivable [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesAndLoansReceivableGrossCurrent', window );">Receivables, gross</a></td>
        <td class="nump">28,942<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">51,704<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Tax Client Receivables - RALs [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesAndLoansReceivableGrossCurrent', window );">Receivables, gross</a></td>
        <td class="nump">1,727<span></span></td>
        <td class="nump">2,412<span></span></td>
        <td class="nump">4,874<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Other [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesAndLoansReceivableGrossCurrent', window );">Receivables, gross</a></td>
        <td class="nump">89,665<span></span></td>
        <td class="nump">131,302<span></span></td>
        <td class="nump">95,732<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">H&amp;R Block, Inc. (Guarantor) [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsReceivableNetCurrent', window );">Receivables, net</a></td>
        <td class="nump">$ 63<span></span></td>
        <td class="nump">$ 88<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountsNotesAndLoansReceivableLineItems">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AccountsNotesAndLoansReceivableLineItems</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountsReceivableNetCurrent">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount due from customers or clients, within one year of the balance sheet date (or the normal operating cycle, whichever is longer), for goods or services (including trade receivables) that have been delivered or sold in the normal course of business, reduced to the estimated net realizable fair value by an allowance established by the entity of the amount it deems uncertain of collection.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 3<br><br> -Subparagraph a(1)<br><br> -Article 5<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 4<br><br> -Article 5<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.3-4)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AccountsReceivableNetCurrent</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>A valuation allowance for trade and other receivables due to an Entity within one year (or the normal operating cycle, whichever is longer) that are expected to be uncollectible.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 4<br><br> -Article 5<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6965416&amp;loc=d3e5074-111524<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.4)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AllowanceForDoubtfulAccountsReceivableCurrent</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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          </td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NotesAndLoansReceivableGrossCurrent">
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>An amount representing an agreement for an unconditional promise by the maker to pay the Entity (holder) a definite sum of money at a future date(s) within one year of the balance sheet date or the normal operating cycle, whichever is longer. Such amount may include accrued interest receivable in accordance with the terms of the debt. The debt also may contain provisions including a discount or premium, payable on demand, secured, or unsecured, interest bearing or noninterest bearing, among a myriad of other features and characteristics. This amount does not include amounts related to receivables held-for-sale.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 9<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6375948&amp;loc=d3e4531-111522<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.3(a),(b))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 3<br><br> -Subparagraph a<br><br> -Article 5<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 1<br><br> -Subparagraph (c),(e)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6361293&amp;loc=d3e6676-107765<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 43<br><br> -Section A<br><br> -Paragraph 4<br><br> -Chapter 3<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 3<br><br> -Subparagraph b<br><br> -Article 5<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NotesAndLoansReceivableGrossCurrent</nobr></td>
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                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0E2F">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Assets And Liabilities Measured At Fair Value (Tables)<br></strong></div>
        </th>
        <th class="th" colspan="1">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Jan. 31, 2012</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueDisclosuresAbstract', window );"><strong>Assets And Liabilities Measured At Fair Value [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueMeasurementInputsDisclosureTextBlock', window );">Fair Value Assets Measured At Fair Value On A Recurring And Non-Recurring Basis</a></td>
        <td class="text"><div> <div class="MetaData">

<table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center">
<tr><td style="width: 52%;">&nbsp;</td>
<td style="width: 50pt;">&nbsp;</td>
<td style="width: 34pt;">&nbsp;</td>
<td style="width: 47pt;">&nbsp;</td>
<td style="width: 47pt;">&nbsp;</td>
<td style="width: 62pt;">&nbsp;</td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"><font style="font-family: Times New Roman;" class="_mt" size="1">(dollars&nbsp;in&nbsp;000s)</font></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Total</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Level&nbsp;1</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Level 2</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Level 3</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Gain (loss)</font> </td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">As of January&nbsp;31, 2012:</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Recurring: </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 5em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Mortgage-backed securities </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ &nbsp;306,475 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ &#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 306,475 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ &#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 2,956 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 5em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Municipal bonds </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">7,712 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">7,712 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">451 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Non-recurring: </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 5em;"><font style="font-family: Times New Roman;" class="_mt" size="2">REO </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">16,883 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">16,883 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(772 )</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 5em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Impaired mortgage loans held for investment </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">103,509 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">103,509 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(6,986 )</font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 434,579 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ &#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 314,187 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 120,392 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (4,351 )</font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">As a percentage of total assets </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">9.0 %</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; %</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">6.5 %</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">2.5 %</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">As of January&nbsp;31, 2011:</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Recurring: </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 5em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Mortgage-backed securities </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 19,927 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ &#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 19,927 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ &#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (91 )</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 5em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Municipal bonds </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">8,740 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">8,740 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">380 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 5em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Trust preferred security </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">21 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">21 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(1,575 )</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Non-recurring: </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 5em;"><font style="font-family: Times New Roman;" class="_mt" size="2">REO </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">19,532 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">19,532 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(1,512 )</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 5em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Impaired mortgage loans held for investment </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">174,062 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">174,062 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(7,792 )</font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 222,282 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ &#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 28,688 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 193,594 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (10,590 )</font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">As a percentage of total assets </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">3.8 %</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; %</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">0.5 %</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">3.3 %</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr></table>

<div class="MetaData">

<p style="margin-left: 0%;" class="rfn"><font style="font-family: Times New Roman;" class="_mt" size="1"><sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;">(1)</sup> </font><font class="_mt"><font style="font-family: Times New Roman;" class="_mt" size="2">Prior year amounts have been restated to include trust preferred securities that were remeasured during the quarter and the gain (loss) on all remeasurements.</font></font></p></div></div> </div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueByBalanceSheetGroupingTextBlock', window );">Fair Value Of Financial Instruments</a></td>
        <td class="text"><div> <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="76%" align="center">
<tr><td style="width: 52%;">&nbsp;</td>
<td style="width: 60pt;">&nbsp;</td>
<td style="width: 60pt;">&nbsp;</td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"><font style="font-family: Times New Roman;" class="_mt" size="1">(in 000s)</font></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Carrying<br />Amount</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Estimated<br />Fair Value</font> </td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Mortgage loans held for investment </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 430,189 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 260,691 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Deposits </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,593,604 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,585,985 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Long-term borrowings </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,040,237 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,078,152 </font></p></td></tr></table> </div><span></span></td>
      </tr>
    </table>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of the fair value of financial instruments (as defined), including financial assets and financial liabilities (collectively, as defined), and the measurements of those instruments, assets, and liabilities. Such certain disclosures about the financial instruments, assets, and liabilities include: (1) the fair value of the required items together with their carrying amounts (as appropriate) and (2) the methodology and assumptions used in developing such estimates of fair value.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 825<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 10<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6947722&amp;loc=d3e13433-108611<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 820<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6925170&amp;loc=d3e19207-110258<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 107<br><br> -Paragraph 14<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  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This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 11: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 157<br><br> -Paragraph 32<br><br> -Subparagraph a, c(1), c(2), c(3), d<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of the fair value measurement of assets and liabilities which includes [financial] instruments measured at fair value that are classified in stockholders' equity. Such assets and liabilities may be measured on a recurring or nonrecurring basis. The disclosures which may be required or desired include: (1) for assets and liabilities measured on a recurring basis, disclosure may include: (a) the fair value measurements at the reporting date; (b) the level within the fair value hierarchy in which the fair value measurements in their entirety fall, segregating fair value measurements using quoted prices in active markets for identical assets or liabilities (Level 1), significant other observable inputs (Level 2), and significant unobservable inputs (Level 3); (c) for fair value measurements using significant unobservable inputs (Level 3), a reconciliation of the beginning and ending balances, separately presenting changes during the period attributable to the following: (i) total gains or losses for the period (realized and unrealized), segregating those gains or losses included in earnings (or changes in net assets), and a description of where those gains or losses included in earnings (or changes in net assets) are reported in the statement of income (or activities); (ii) purchases, sales, issuances, and settlements (net); (iii) transfers in and transfers out of Level 3 (for example,  transfers due to changes in the observability of significant inputs); (d) the amount of the total gains or losses for the period in subparagraph (c) (i) above included in earnings (or changes in net assets) that are attributable to the change in unrealized gains or losses relating to those assets and liabilities still held at the reporting date and a description of where those unrealized gains or losses are reported in the statement of income (or activities); (e) the valuation technique(s) used to measure fair value and a discussion of changes in valuation techniques, if any, during the period and (2) for assets and liabilities that are measured at fair value on a nonrecurring basis (for example,  impaired assets) disclosure may include, in addition to (a) above: (a) the reasons for the fair value measurements recorded; (b) the same as (b) above; (c) for fair value measurements using significant unobservable inputs (Level 3), a description of the inputs and the information used to develop the inputs; and (d) the valuation technique(s) used to measure fair value and a discussion of changes, if any, in the valuation technique(s) used to measure similar assets and/or liabilities in prior periods.  Where the quoted price in an active market for the identical liability is not available, the Level 1 input is the quoted price of an identical liability when traded as an asset.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 820<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6925170&amp;loc=d3e19279-110258<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 157<br><br> -Paragraph 32<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 157<br><br> -Paragraph 33<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 107<br><br> -Paragraph 10<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 820<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6925170&amp;loc=d3e19296-110258<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 820<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6925170&amp;loc=d3e19207-110258<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 157<br><br> -Paragraph 6<br><br> -Footnote 4<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 820<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6925170&amp;loc=d3e19190-110258<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0E2F">
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          <div style="width: 200px;"><strong>Investments In Available-For-Sale Securities (Tables)<br></strong></div>
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        <th class="th" colspan="1">9 Months Ended</th>
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          <div>Jan. 31, 2012</div>
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<table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center">
<tr><td style="width: 30%;">&nbsp;</td>
<td style="width: 44pt;">&nbsp;</td>
<td style="width: 45pt;">&nbsp;</td>
<td style="width: 45pt;">&nbsp;</td>
<td style="width: 40pt;">&nbsp;</td>
<td style="width: 44pt;">&nbsp;</td>
<td style="width: 45pt;">&nbsp;</td>
<td style="width: 45pt;">&nbsp;</td>
<td style="width: 40pt;">&nbsp;</td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
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<p class="la2">&nbsp;</p></td>
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<p class="la2">&nbsp;</p></td>
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<p class="la2">&nbsp;</p></td>
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<p class="la2">&nbsp;</p></td>
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<p class="la2">&nbsp;</p></td>
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<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"><font style="font-family: Times New Roman;" class="_mt" size="1">(in 000s)</font> </td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="4" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">January&nbsp;31, 2012</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="4" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">April&nbsp;30,&nbsp;2011</font> </td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Gross</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Gross</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Gross</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Gross</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
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<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Amortized</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Unrealized</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Unrealized</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Fair</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Amortized</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Unrealized</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Unrealized</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Fair</font></td></tr>
<tr><td valign="bottom" width="45%">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1"><u>As of</u></font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Cost</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Gains</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Losses<sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;"> (1)</sup></font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Value</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Cost</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Gains</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Losses<sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;"> (1)</sup></font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Value</font> </td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="1">Short-term:</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="1">Municipal bonds </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">$ 2,001 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">$ 3 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">$ &#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">$ 2,004 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">$ 3,023 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">$ 58 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">$ &#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">$ 3,081 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="1">Long-term:</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="1">Mortgage-backed securities </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">303,519 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">3,243 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">(287 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">306,475 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">157,970 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">401 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">(194 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">158,177 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="1">Municipal bonds </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">5,260 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">448 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">5,708 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">5,312 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">347 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">5,659 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">308,779 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">3,691 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">(287 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">312,183 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">163,282 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">748 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">(194 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">163,836 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="1">Total </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">$ 310,780 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">$ 3,694 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">$ (287 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">$ 314,187 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">$ 166,305 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">$ 806 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">$ (194 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">$ 166,917 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td></tr></table>

<p style="padding-bottom: 0px; margin-top: 0px; margin-bottom: 0px; margin-left: 2%;"><font style="font-family: Times New Roman;" class="_mt" size="1"><sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;"> </sup></font>&nbsp;</p>

<div class="MetaData">

<p style="padding-bottom: 0px; margin-top: 0px; margin-bottom: 0px; margin-left: 2%;"><font style="font-family: Times New Roman;" class="_mt" size="1"><sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;">(1)</sup>&nbsp;</font><font style="font-family: Times New Roman;" class="_mt" size="2"><font class="_mt"><font style="font-family: Times New Roman;" class="_mt" size="2">At January 31, 2012 and April 30, 2011, we had&nbsp;<font class="_mt">no</font> investments that had been in a continuous loss position for more than twelve months.</font></font> </font></p></div></div> </div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock', window );">Contractual Maturities Of AFS Debt Securities At Varying Dates Over The Next 30 Years</a></td>
        <td class="text"><div> <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="76%" align="center">
<tr><td style="width: 55%;">&nbsp;</td>
<td style="width: 52pt;">&nbsp;</td>
<td style="width: 52pt;">&nbsp;</td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"><font style="font-family: Times New Roman;" class="_mt" size="1"><b> </b>(in 000s)<b> </b></font></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Cost Basis</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Fair Value</font> </td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Maturing in:</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Less than one year </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 2,001 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 2,004 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Two to five years </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">4,204 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">4,502 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Six to ten years </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,056 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,206 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Beyond </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">303,519 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">306,475 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 310,780 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 314,187 </font></p></td></tr></table> </div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_hrb_ScheduleOfAmortizedCostAndFairValueOfSecuritiesAvailableForSaleTableTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Schedule Of Amortized Cost And Fair Value Of Securities Available-For-Sale [Table Text Block]</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_ScheduleOfAmortizedCostAndFairValueOfSecuritiesAvailableForSaleTableTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>hrb_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of maturities of an entity's investments as well as any other information pertinent to the investments.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InvestmentsClassifiedByContractualMaturityDateTableTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>52
<FILENAME>R56.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0E6CAC">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>Mortgage Loans Held For Investment And Related Assets (Schedule Of Allowance For Impaired Loans) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Jan. 31, 2012</div>
        </th>
        <th class="th">
          <div>Apr. 30, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsAbstract', window );"><strong>Mortgage Loans Held For Investment And Related Assets [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_AllocatedImpairedLoansBasedOnCollateralValueMethod', window );">Based on collateral value method</a></td>
        <td class="nump">$ 71,471<span></span></td>
        <td class="nump">$ 69,794<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_AllocatedImpairedLoansBasedOnDiscountCashFlowMethod', window );">Based on discounted cash flow method</a></td>
        <td class="nump">9,011<span></span></td>
        <td class="nump">11,055<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_AllowanceForLoansLossesAllocatedToImpairedLoansTotal', window );">Total allowance for loans</a></td>
        <td class="nump">$ 80,482<span></span></td>
        <td class="nump">$ 80,849<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_hrb_AllocatedImpairedLoansBasedOnCollateralValueMethod">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Allocated impaired loans based on collateral value method</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_AllocatedImpairedLoansBasedOnCollateralValueMethod</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>hrb_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_hrb_AllocatedImpairedLoansBasedOnDiscountCashFlowMethod">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Allocated impaired loans based on discount cash flow method</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_AllocatedImpairedLoansBasedOnDiscountCashFlowMethod</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>hrb_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_hrb_AllowanceForLoansLossesAllocatedToImpairedLoansTotal">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Allowance for loans losses allocated to impaired loans total</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_AllowanceForLoansLossesAllocatedToImpairedLoansTotal</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>hrb_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>hrb_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>53
<FILENAME>R44.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EE3AE">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>Receivables (Schedule Of Loans Receivable) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Jan. 31, 2012</div>
        </th>
        <th class="th">
          <div>Apr. 30, 2011</div>
        </th>
        <th class="th">
          <div>Jan. 31, 2011</div>
        </th>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Emerald Advance Lines Of Credit [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesAndLoansReceivableNetCurrent', window );">Short-term</a></td>
        <td class="nump">$ 443,717<span></span></td>
        <td class="nump">$ 31,645<span></span></td>
        <td class="nump">$ 674,317<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesAndLoansReceivableNetNoncurrent', window );">Long-term</a></td>
        <td class="nump">15,001<span></span></td>
        <td class="nump">21,619<span></span></td>
        <td class="nump">13,608<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableNet', window );">Receivables, net</a></td>
        <td class="nump">458,718<span></span></td>
        <td class="nump">53,264<span></span></td>
        <td class="nump">687,925<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Tax Client Receivables - RALs [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesAndLoansReceivableNetCurrent', window );">Short-term</a></td>
        <td class="nump">1,727<span></span></td>
        <td class="nump">2,412<span></span></td>
        <td class="nump">4,874<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesAndLoansReceivableNetNoncurrent', window );">Long-term</a></td>
        <td class="nump">5,120<span></span></td>
        <td class="nump">5,855<span></span></td>
        <td class="nump">5,856<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableNet', window );">Receivables, net</a></td>
        <td class="nump">6,847<span></span></td>
        <td class="nump">8,267<span></span></td>
        <td class="nump">10,730<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Loans To Franchisees [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesAndLoansReceivableNetCurrent', window );">Short-term</a></td>
        <td class="nump">81,415<span></span></td>
        <td class="nump">62,181<span></span></td>
        <td class="nump">85,269<span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesAndLoansReceivableNetNoncurrent', window );">Long-term</a></td>
        <td class="nump">134,136<span></span></td>
        <td class="nump">110,420<span></span></td>
        <td class="nump">131,340<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NotesReceivableNet', window );">Receivables, net</a></td>
        <td class="nump">$ 215,551<span></span></td>
        <td class="nump">$ 172,601<span></span></td>
        <td class="nump">$ 216,609<span></span></td>
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                <p>An amount representing an agreement for an unconditional promise by the maker to pay the Company (holder) a definite sum of money within one year from the balance sheet date (or the normal operating cycle, whichever is longer), net of any write-downs taken for collection uncertainty on the part of the holder. Such amount may include accrued interest receivable in accordance with the terms of the debt. The debt also may contain provisions and related items including a discount or premium, payable on demand, secured, or unsecured, interest bearing or noninterest bearing, among a myriad of other features and characteristics. This amount does not include amounts related to receivables held-for-sale.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>An amount representing an agreement for an unconditional promise by the maker to pay the Entity (holder) a definite sum of money at a future date more than one year from the balance sheet date, net of any write-downs taken for collection uncertainty on the part of the holder. Such amount may include accrued interest receivable in accordance with the terms of the debt. The debt also may contain provisions and related items including a discount or premium, payable on demand, secured, or unsecured, interest bearing or noninterest bearing, among a myriad of other features and characteristics. This amount does not include amounts related to receivables held-for-sale.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 17<br><br> -Article 5<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.17)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
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                <p>For an unclassified balance sheet, an amount representing an agreement for an unconditional promise by the maker to pay the Entity (holder) a definite sum of money at a future date, net of any write-downs taken for collection uncertainty on the part of the holder. Such amount may include accrued interest receivable in accordance with the terms of the note. The note also may contain provisions and related items including a discount or premium, payable on demand, secured, or unsecured, interest bearing or noninterest bearing, among a myriad of other features and characteristics. This amount does not include amounts related to receivables held-for-sale.</p>
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                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 3<br><br> -Article 5<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0E2F">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Goodwill And Intangible Assets (Tables)<br></strong></div>
        </th>
        <th class="th" colspan="1">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Jan. 31, 2012</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract', window );"><strong>Goodwill And Intangible Assets [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfGoodwillTextBlock', window );">Schedule Of Goodwill</a></td>
        <td class="text"><div> <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="68%" align="center">
<tr><td style="width: 57%;"> </td>
<td style="width: 56pt;"> </td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"><font style="font-family: Times New Roman;" class="_mt" size="1">(in 000s)</font> </td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Tax&nbsp;Services</font> </td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Balance at April&nbsp;30, 2011:</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Goodwill </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 459,039 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Accumulated impairment losses </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(24,888 )</font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">434,151 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Changes:</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Acquisitions </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">9,506 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Disposals and foreign currency changes </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(5,805 )</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Impairments </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(4,257 )</font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Balance at January&nbsp;31, 2012:</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Goodwill </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">462,740 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Accumulated impairment losses </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(29,145 )</font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 433,595 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td></tr></table> </div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsByMajorClassTextBlock', window );">Schedule Of Intangible Assets</a></td>
        <td class="text"><div> <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center">
<tr><td style="width: 40%;"> </td>
<td style="width: 47pt;"> </td>
<td style="width: 52pt;"> </td>
<td style="width: 50pt;"> </td>
<td style="width: 47pt;"> </td>
<td style="width: 52pt;"> </td>
<td style="width: 47pt;"> </td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"><font style="font-family: Times New Roman;" class="_mt" size="1"><b> </b>(in 000s)<b> </b></font></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="3" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">January&nbsp;31, 2012</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="3" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">April&nbsp;30, 2011</font> </td></tr>
<tr><td valign="bottom" width="54%" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 0px;"><font style="font-family: Times New Roman;" class="_mt" size="1">As of</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Gross<br />Carrying<br />Amount</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Accumulated<br />Amortization</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Net</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Gross<br />Carrying<br />Amount</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Accumulated<br />Amortization</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Net</font> </td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Tax Services:</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Customer relationships </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 90,355 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (44,805 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 45,550 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 87,624 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (41,076 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 46,548 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Noncompete agreements </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">23,725 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(22,628 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,097 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">23,456 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(22,059 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,397 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Reacquired franchise rights </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">214,330 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(13,052 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">201,278 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">214,330 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(9,961 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">204,369 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Franchise agreements </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">19,201 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(4,053 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">15,148 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">19,201 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(3,093 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">16,108 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Purchased technology </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">14,700 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(10,200 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">4,500 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">14,700 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(8,505 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">6,195 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Trade name </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,325 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(750 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">575 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,325 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(600 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">725 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 363,636 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (95,488 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ &nbsp;268,148 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 360,636 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (85,294 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 275,342 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td></tr></table> </div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_GoodwillAndIntangibleAssetsDisclosureAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfFiniteLivedIntangibleAssetsByMajorClassTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of amortizable intangibles assets, in total and by major class, including the gross carrying amount and accumulated amortization. A major class is composed of intangible assets that can be grouped together because they are similar, either by their nature or by their use in the operations of a company.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 142<br><br> -Paragraph 45<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 30<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6905858&amp;loc=d3e16265-109275<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 30<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6905858&amp;loc=d3e16323-109275<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ScheduleOfFiniteLivedIntangibleAssetsByMajorClassTextBlock</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfGoodwillTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of goodwill by reportable segment and in total. Disclosure details may include, but are not limited to, the carrying amount of goodwill, goodwill acquired during the year, goodwill impairment losses recognized, goodwill written-off due to the sale of a business unit, goodwill not yet allocated, and any other changes to goodwill.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6905597&amp;loc=d3e13854-109267<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6905597&amp;loc=d3e13816-109267<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 142<br><br> -Paragraph 45<br><br> -Subparagraph c<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 142<br><br> -Paragraph 45<br><br> -Subparagraph e<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 142<br><br> -Paragraph 47<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ScheduleOfGoodwillTextBlock</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td>nonnum:textBlockItemType</td>
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                    <td>duration</td>
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<DOCUMENT>
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<html>
  <head>
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    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Borrowings (Tables)<br></strong></div>
        </th>
        <th class="th" colspan="1">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Jan. 31, 2012</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentsAbstract', window );"><strong>Borrowings [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfDebtTableTextBlock', window );">Schedule Of Borrowings</a></td>
        <td class="text"><div> <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="84%" align="center">
<tr><td style="width: 44%;"> </td>
<td style="width: 69pt;"> </td>
<td style="width: 69pt;"> </td>
<td style="width: 61pt;"> </td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"><font style="font-family: Times New Roman;" class="_mt" size="1">(in 000s)</font> </td></tr>
<tr><td valign="bottom" width="60%" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 0px;"><font style="font-family: Times New Roman;" class="_mt" size="1">As of</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">January&nbsp;31,&nbsp;2012</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">January&nbsp;31,&nbsp;2011</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">April&nbsp;30,&nbsp;2011</font> </td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Commercial paper </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 230,947 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 632,566 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ &#8212;&nbsp;&nbsp; </font></p></td></tr>
<tr><td height="8"> </td>
<td height="8"> </td>
<td height="8"> </td>
<td height="8"> </td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Senior Notes, <font class="_mt">7.875</font>%, due&nbsp;<font class="_mt">January 2013</font> </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 599,871 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 599,758 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 599,788 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Senior Notes, <font class="_mt">5.125</font>%, due&nbsp;<font class="_mt">October 2014</font> </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">399,364 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">399,117 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">399,177 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Other </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">41,002 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">40,913 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">41,119 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Total long-term debt </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,040,237 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,039,788 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,040,084 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Less: Current portion </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(630,996 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(551 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(557 )</font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 409,241 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 1,039,237 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 1,039,527 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td></tr></table> </div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtInstrumentsAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DebtInstrumentsAbstract</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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                    <td>na</td>
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                    <td>duration</td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ScheduleOfDebtTableTextBlock">
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of information pertaining to short-term and long-debt instruments or arrangements, including but not limited to identification of terms, features, collateral requirements and other information necessary to a fair presentation.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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<DOCUMENT>
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<TEXT>
<html>
  <head>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Loss Per Share And Stockholders' Equity<br></strong></div>
        </th>
        <th class="th" colspan="1">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Jan. 31, 2012</div>
        </th>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_LossPerShareAndStockholdersEquityAbstract', window );"><strong>Loss Per Share And Stockholders' Equity [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareTextBlock', window );">Loss Per Share And Stockholders' Equity</a></td>
        <td class="text"><div> <p style="margin-top: 18px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2"><b>2. Loss Per Share and Stockholders' Equity</b> </font></p>

<p style="margin-top: 6px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">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">9.6</font> million shares for the three and nine months ended January 31, 2012, and&nbsp;<font class="_mt">12.6</font> million shares for the three and nine months ended January 31, 2011, as the effect would be antidilutive due to the net loss from continuing operations during each period. </font></p>

<p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">The computations of basic and diluted loss per share from continuing operations are as follows: </font></p>

<p style="margin-top: 0px; margin-bottom: 0px; font-size: 12px;">&nbsp;</p>

<table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="92%" align="center">
<tr><td style="width: 49%;"> </td>
<td style="width: 52pt;"> </td>
<td style="width: 52pt;"> </td>
<td style="width: 55pt;"> </td>
<td style="width: 55pt;"> </td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1"><b> </b>(in&nbsp;000s,&nbsp;except&nbsp;per&nbsp;share&nbsp; amounts)<b> </b></font></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Three&nbsp;months&nbsp;ended&nbsp;January&nbsp;31,</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Nine&nbsp;months&nbsp;ended&nbsp;January&nbsp;31,</font></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">2012</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">2011</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">2012</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1"><b> </b>2011<b> </b></font></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Net loss from continuing operations attributable to shareholders </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (3,567 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (11,034 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (245,735 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (250,286 )</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Amounts allocated to participating securities (nonvested shares)</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">24 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(148 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(152 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(142 )</font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Net loss from continuing operations attributable to common shareholders </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (3,543 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (11,182 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (245,887 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (250,428 )</font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Basic weighted average common shares </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">292,963 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">305,144 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">299,450 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">310,546 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Potential dilutive shares </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Dilutive weighted average common shares </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">292,963 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">305,144 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">299,450 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">310,546 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Loss per share from continuing operations:</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Basic </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (0.01 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (0.04 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (0.82 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (0.80 )</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Diluted </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(0.01 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(0.04 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(0.82 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(0.80 )</font></p></td></tr></table>

<p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">The weighted average shares outstanding for the three and nine months ended January 31, 2012 decreased to 293.0 million and 299.5 million, respectively, from 305.1 million and 310.5 million for the three and nine months ended January 31, 2011, respectively, primarily due to share repurchases completed in the current fiscal year. During the nine months ended January 31, 2012, we purchased and immediately retired&nbsp;<font class="_mt">13.0</font> million shares of our common stock at a cost of $<font class="_mt">177.5</font> million. The cost of shares retired during the current period was allocated to the components of stockholders' equity as follows: </font></p>

<table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="68%" align="center">
<tr><td style="width: 57%;"> </td>
<td style="width: 52pt;"> </td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"><font style="font-family: Times New Roman;" class="_mt" size="1"><b> </b>(in 000s)<b> </b></font></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Common stock </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 130 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Additional paid-in capital </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">7,826 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Retained earnings </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">169,548 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 177,504 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td></tr></table>

<p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">During the nine months ended January 31, 2011, we purchased and immediately retired&nbsp;<font class="_mt">19.0</font> million shares of our common stock at a cost of $<font class="_mt">279.9</font> million. </font></p>

<p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">In addition to the shares we repurchased as described above, during the nine months ended January 31, 2012, we acquired&nbsp;<font class="_mt">0.2</font> million shares of our common stock at an aggregate cost of $<font class="_mt">3.1</font> million. These shares represent shares swapped or surrendered to us in connection with the vesting of nonvested shares and the exercise of stock options. During the nine months ended January 31, 2011, we acquired&nbsp;<font class="_mt">0.2</font> million shares at an aggregate cost of $<font class="_mt">3.5</font> million for similar purposes. </font></p>

<p style="margin-top: 0px; margin-bottom: 0px;"><font class="_mt" size="1"> </font></p>

<p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">During the nine months ended January 31, 2012 and 2011, we issued&nbsp;<font class="_mt">1.0</font> million and&nbsp;<font class="_mt">1.1</font> million shares of common stock, respectively, due to the exercise of stock options, employee stock purchases and vesting of nonvested shares. </font></p>

<p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">During the nine months ended January 31, 2012, we granted&nbsp;<font class="_mt">2.4</font> million stock options and&nbsp;<font class="_mt">1.0</font> million nonvested shares and units under our stock-based compensation plans. The weighted average fair value of options granted was $<font class="_mt">3.36</font> for management options. These awards typically vest over a&nbsp;<font class="_mt">three</font> year period with one-third vesting each year. Stock-based compensation expense of our continuing operations totaled $<font class="_mt">2.0</font> million and $<font class="_mt">11.0</font> million for the three and nine months ended January 31, 2012, respectively, and $<font class="_mt">3.5</font> million and $<font class="_mt">7.3</font> million for the three and nine months ended January 31, 2011, respectively. At January 31, 2012, unrecognized compensation cost for options totaled $<font class="_mt">7.5</font> million, and for nonvested shares and units totaled $<font class="_mt">16.5</font> million.</font></p> </div><span></span></td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for earnings per share.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920599&amp;loc=d3e1252-109256<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 55<br><br> -Paragraph 52<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6945512&amp;loc=d3e4984-109258<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 128<br><br> -Paragraph 40<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920599&amp;loc=d3e1278-109256<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.21)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Interest Income And Expense (Tables)<br></strong></div>
        </th>
        <th class="th" colspan="1">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Jan. 31, 2012</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_InterestIncomeAndExpenseAbstract', window );"><strong>Interest Income And Expense [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_ScheduleOfInterestIncomeExpenseByTypeTableTextBlock', window );">Schedule Of Interest Income And Expense Of Continuing Operations</a></td>
        <td class="text"><div> <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="92%" align="center">
<tr><td style="width: 54%;"> </td>
<td style="width: 47pt;"> </td>
<td style="width: 47pt;"> </td>
<td style="width: 47pt;"> </td>
<td style="width: 47pt;"> </td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"><font style="font-family: Times New Roman;" class="_mt" size="1">(in 000s)</font> </td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Three&nbsp;months&nbsp;ended&nbsp;January&nbsp;31,</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Nine&nbsp;months&nbsp;ended&nbsp;January&nbsp;31,</font></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">2012</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">2011</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">2012</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">2011</font> </td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Interest income:</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Emerald Advance lines of credit </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 30,062 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 46,132 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 30,297 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 47,590 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Mortgage loans, net </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">4,948 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">5,923 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">15,760 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">18,771 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Other </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">4,466 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">3,957 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">13,680 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">10,305 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 39,476 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 56,012 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 59,737 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 76,666 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Interest expense:</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Borrowings </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 21,382 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 21,678 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 63,625 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 62,903 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Deposits </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">2,011 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">2,587 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">5,275 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">6,457 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">FHLB advances </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">150 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">397 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">452 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,189 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 23,543 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 24,662 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 69,352 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 70,549 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr></table> </div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_InterestIncomeAndExpenseAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>hrb_</td>
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        <tr>
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        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Schedule Of Interest Income Expense By Type [Table Text Block]</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_ScheduleOfInterestIncomeExpenseByTypeTableTextBlock</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>hrb_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
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                    <td><strong> Balance Type:</strong></td>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>58
<FILENAME>R83.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0ED3CI">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>Condensed Consolidating Financial Statements (Schedule Of Condensed Consolidating Balance Sheets) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Jan. 31, 2012</div>
        </th>
        <th class="th">
          <div>Apr. 30, 2011</div>
        </th>
        <th class="th">
          <div>Jan. 31, 2011</div>
        </th>
        <th class="th">
          <div>Apr. 30, 2010</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">Cash &amp; cash equivalents</a></td>
        <td class="nump">$ 1,218,984<span></span></td>
        <td class="nump">$ 1,677,844<span></span></td>
        <td class="nump">$ 1,465,690<span></span></td>
        <td class="nump">$ 1,804,045<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RestrictedCashAndInvestmentsCurrent', window );">Cash &amp; cash equivalents - restricted</a></td>
        <td class="nump">34,168<span></span></td>
        <td class="nump">48,383<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsReceivableNetCurrent', window );">Receivables, net</a></td>
        <td class="nump">1,035,902<span></span></td>
        <td class="nump">230,172<span></span></td>
        <td class="nump">1,173,472<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetReportedAmount', window );">Mortgage loans held for investment</a></td>
        <td class="nump">430,189<span></span></td>
        <td class="nump">485,008<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_IntangibleAssetsNet', window );">Intangible assets and goodwill, net</a></td>
        <td class="nump">701,743<span></span></td>
        <td class="nump">709,493<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EquityMethodInvestments', window );">Investments in subsidiaries</a></td>
        <td class="nump">1,706<span></span></td>
        <td class="nump">32<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AssetsHeldForSaleAtCarryingValue', window );">Assets held for sale</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">900,328<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherAssets', window );">Other assets</a></td>
        <td class="nump">1,430,097<span></span></td>
        <td class="nump">1,238,193<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Assets', window );">Total assets</a></td>
        <td class="nump">4,852,789<span></span></td>
        <td class="nump">5,289,453<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CustomerDepositsCurrent', window );">Customer deposits</a></td>
        <td class="nump">1,587,988<span></span></td>
        <td class="nump">852,220<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtAndCapitalLeaseObligations', window );">Long-term debt</a></td>
        <td class="nump">1,040,237<span></span></td>
        <td class="nump">1,040,084<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommercialPaper', window );">Commercial paper borrowings</a></td>
        <td class="nump">230,947<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvances', window );">FHLB borrowings</a></td>
        <td class="nump">25,000<span></span></td>
        <td class="nump">25,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesOfAssetsHeldForSale', window );">Liabilities held for sale</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">241,562<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherLiabilities', window );">Other liabilities</a></td>
        <td class="nump">1,162,168<span></span></td>
        <td class="nump">1,681,013<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquity', window );">Stockholders' equity</a></td>
        <td class="nump">806,449<span></span></td>
        <td class="nump">1,449,574<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesAndStockholdersEquity', window );">Total liabilities and stockholders' equity</a></td>
        <td class="nump">4,852,789<span></span></td>
        <td class="nump">5,289,453<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">H&amp;R Block, Inc. (Guarantor) [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsReceivableNetCurrent', window );">Receivables, net</a></td>
        <td class="nump">63<span></span></td>
        <td class="nump">88<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EquityMethodInvestments', window );">Investments in subsidiaries</a></td>
        <td class="nump">1,694,728<span></span></td>
        <td class="nump">2,699,555<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherAssets', window );">Other assets</a></td>
        <td class="nump">8,841<span></span></td>
        <td class="nump">13,613<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Assets', window );">Total assets</a></td>
        <td class="nump">1,703,632<span></span></td>
        <td class="nump">2,713,256<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherLiabilities', window );">Other liabilities</a></td>
        <td class="nump">246<span></span></td>
        <td class="nump">178<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RelatedPartyTransactionDueFromToRelatedParty', window );">Net intercompany advances</a></td>
        <td class="nump">896,937<span></span></td>
        <td class="nump">1,263,504<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquity', window );">Stockholders' equity</a></td>
        <td class="nump">806,449<span></span></td>
        <td class="nump">1,449,574<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesAndStockholdersEquity', window );">Total liabilities and stockholders' equity</a></td>
        <td class="nump">1,703,632<span></span></td>
        <td class="nump">2,713,256<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">BFC (Issuer) [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">Cash &amp; cash equivalents</a></td>
        <td class="nump">1,065,448<span></span></td>
        <td class="nump">616,238<span></span></td>
        <td class="nump">1,289,689<span></span></td>
        <td class="nump">702,021<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RestrictedCashAndInvestmentsCurrent', window );">Cash &amp; cash equivalents - restricted</a></td>
        <td class="nump">2,254<span></span></td>
        <td class="nump">9,522<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsReceivableNetCurrent', window );">Receivables, net</a></td>
        <td class="nump">502,231<span></span></td>
        <td class="nump">102,011<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetReportedAmount', window );">Mortgage loans held for investment</a></td>
        <td class="nump">430,189<span></span></td>
        <td class="nump">485,008<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherAssets', window );">Other assets</a></td>
        <td class="nump">535,743<span></span></td>
        <td class="nump">469,461<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Assets', window );">Total assets</a></td>
        <td class="nump">2,535,865<span></span></td>
        <td class="nump">1,682,240<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CustomerDepositsCurrent', window );">Customer deposits</a></td>
        <td class="nump">1,588,277<span></span></td>
        <td class="nump">852,270<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtAndCapitalLeaseObligations', window );">Long-term debt</a></td>
        <td class="nump">999,235<span></span></td>
        <td class="nump">998,965<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommercialPaper', window );">Commercial paper borrowings</a></td>
        <td class="nump">230,947<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvances', window );">FHLB borrowings</a></td>
        <td class="nump">25,000<span></span></td>
        <td class="nump">25,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherLiabilities', window );">Other liabilities</a></td>
        <td class="num">(108,361)<span></span></td>
        <td class="num">(26,769)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RelatedPartyTransactionDueFromToRelatedParty', window );">Net intercompany advances</a></td>
        <td class="nump">68,684<span></span></td>
        <td class="nump">24,173<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquity', window );">Stockholders' equity</a></td>
        <td class="num">(267,917)<span></span></td>
        <td class="num">(191,399)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesAndStockholdersEquity', window );">Total liabilities and stockholders' equity</a></td>
        <td class="nump">2,535,865<span></span></td>
        <td class="nump">1,682,240<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Other Subsidiaries [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">Cash &amp; cash equivalents</a></td>
        <td class="nump">153,825<span></span></td>
        <td class="nump">1,061,656<span></span></td>
        <td class="nump">177,320<span></span></td>
        <td class="nump">1,102,135<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RestrictedCashAndInvestmentsCurrent', window );">Cash &amp; cash equivalents - restricted</a></td>
        <td class="nump">31,914<span></span></td>
        <td class="nump">38,861<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsReceivableNetCurrent', window );">Receivables, net</a></td>
        <td class="nump">533,608<span></span></td>
        <td class="nump">128,073<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_IntangibleAssetsNet', window );">Intangible assets and goodwill, net</a></td>
        <td class="nump">701,743<span></span></td>
        <td class="nump">709,493<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EquityMethodInvestments', window );">Investments in subsidiaries</a></td>
        <td class="nump">1,706<span></span></td>
        <td class="nump">32<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AssetsHeldForSaleAtCarryingValue', window );">Assets held for sale</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">900,328<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherAssets', window );">Other assets</a></td>
        <td class="nump">885,513<span></span></td>
        <td class="nump">755,119<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Assets', window );">Total assets</a></td>
        <td class="nump">2,308,309<span></span></td>
        <td class="nump">3,593,562<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtAndCapitalLeaseObligations', window );">Long-term debt</a></td>
        <td class="nump">41,002<span></span></td>
        <td class="nump">41,119<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesOfAssetsHeldForSale', window );">Liabilities held for sale</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">241,562<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherLiabilities', window );">Other liabilities</a></td>
        <td class="nump">1,270,283<span></span></td>
        <td class="nump">1,707,604<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RelatedPartyTransactionDueFromToRelatedParty', window );">Net intercompany advances</a></td>
        <td class="num">(965,621)<span></span></td>
        <td class="num">(1,287,677)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquity', window );">Stockholders' equity</a></td>
        <td class="nump">1,962,645<span></span></td>
        <td class="nump">2,890,954<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesAndStockholdersEquity', window );">Total liabilities and stockholders' equity</a></td>
        <td class="nump">2,308,309<span></span></td>
        <td class="nump">3,593,562<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Eliminations [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">Cash &amp; cash equivalents</a></td>
        <td class="num">(289)<span></span></td>
        <td class="num">(50)<span></span></td>
        <td class="num">(1,319)<span></span></td>
        <td class="num">(111)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EquityMethodInvestments', window );">Investments in subsidiaries</a></td>
        <td class="num">(1,694,728)<span></span></td>
        <td class="num">(2,699,555)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Assets', window );">Total assets</a></td>
        <td class="num">(1,695,017)<span></span></td>
        <td class="num">(2,699,605)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CustomerDepositsCurrent', window );">Customer deposits</a></td>
        <td class="num">(289)<span></span></td>
        <td class="num">(50)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquity', window );">Stockholders' equity</a></td>
        <td class="num">(1,694,728)<span></span></td>
        <td class="num">(2,699,555)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesAndStockholdersEquity', window );">Total liabilities and stockholders' equity</a></td>
        <td class="num">$ (1,695,017)<span></span></td>
        <td class="num">$ (2,699,605)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_hrb_IntangibleAssetsNet">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Intangible assets, net</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_IntangibleAssetsNet</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>hrb_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountsReceivableNetCurrent">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount due from customers or clients, within one year of the balance sheet date (or the normal operating cycle, whichever is longer), for goods or services (including trade receivables) that have been delivered or sold in the normal course of business, reduced to the estimated net realizable fair value by an allowance established by the entity of the amount it deems uncertain of collection.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 3<br><br> -Subparagraph a(1)<br><br> -Article 5<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 4<br><br> -Article 5<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.3-4)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AccountsReceivableNetCurrent</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Assets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Sum of the carrying amounts as of the balance sheet date of all assets that are recognized. Assets are probable future economic benefits obtained or controlled by an entity as a result of past transactions or events.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 7<br><br> -Section 03<br><br> -Paragraph 12<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br> -Section S99<br><br> -Name Accounting Standards Codification<br><br> -Publisher FASB<br><br> -Paragraph 1<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Concepts (CON)<br><br> -Number 6<br><br> -Paragraph 25<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 18<br><br> -Article 5<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.18)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_Assets</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AssetsHeldForSaleAtCarryingValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents the sum of the carrying value of all the Assets Held-for-Sale at the balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 144<br><br> -Paragraph 47<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 205<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6360339&amp;loc=d3e1361-107760<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AssetsHeldForSaleAtCarryingValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndCashEquivalentsAtCarryingValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Includes currency on hand as well as demand deposits with banks or financial institutions. It also includes other kinds of accounts that have the general characteristics of demand deposits in that the Entity may deposit additional funds at any time and also effectively may withdraw funds at any time without prior notice or penalty. Cash equivalents, excluding items classified as marketable securities, include short-term, highly liquid investments that are both readily convertible to known amounts of cash, and so near their maturity that they present minimal risk of changes in value because of changes in interest rates. Generally, only investments with original maturities of three months or less qualify under that definition. Original maturity means original maturity to the entity holding the investment. For example, both a three-month US Treasury bill and a three-year Treasury note purchased three months from maturity qualify as cash equivalents. However, a Treasury note purchased three years ago does not become a cash equivalent when its remaining maturity is three months. Compensating balance arrangements that do not legally restrict the withdrawal or usage of cash amounts may be reported as Cash and Cash Equivalents, while legally restricted deposits held as compensating balances against borrowing arrangements, contracts entered into with others, or company statements of intention with regard to particular deposits are not generally reported as cash and cash equivalents. Includes cash and cash equivalents associated with the entity's continuing operations. Excludes cash and cash equivalents associated with the disposal group (and discontinued operation).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 1<br><br> -Article 5<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 7<br><br> -Footnote 1<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3044-108585<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 8, 9<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 1<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6361293&amp;loc=d3e6676-107765<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Cash<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6506951<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 7, 26<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Cash Equivalents<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6507016<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CashAndCashEquivalentsAtCarryingValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommercialPaper">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Carrying value as of the balance sheet date of short-term borrowings using unsecured obligations issued by banks, corporations and other borrowers to investors. The maturities of these money market securities generally do not exceed 270 days.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.13(2))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 9<br><br> -Section 03<br><br> -Paragraph 13<br><br> -Subparagraph 2<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 7<br><br> -Section 03<br><br> -Paragraph 16<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 5<br><br> -Section 02<br><br> -Paragraph 19<br><br> -Subparagraph a(3)<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.19(a)(3))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CommercialPaper</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CustomerDepositsCurrent">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The current portion of money or property received from customers which is either to be returned upon satisfactory contract completion or applied to customer receivables in accordance with the terms of the contract or the understandings.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.20)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CustomerDepositsCurrent</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtAndCapitalLeaseObligations">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Sum of the carrying values as of the balance sheet date of all debt, including all short-term borrowings, long-term debt, and capital lease obligations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-03.16)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879938&amp;loc=d3e572229-122910<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.13,16)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DebtAndCapitalLeaseObligations</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EquityMethodInvestments">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the carrying amount on the entity's balance sheet of its investment in common stock of an equity method investee. This is not an indicator of the fair value of the investment, rather it is the initial cost adjusted for the entity's share of earnings and losses of the investee, adjusted for any distributions (dividends) and other than temporary impairment (OTTI) losses recognized.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.12)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 323<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6382870&amp;loc=d3e33749-111570<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_EquityMethodInvestments</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvances">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate carrying amount of all Federal Home Loan Bank loans (advances).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FederalHomeLoanBankAdvances</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LiabilitiesAndStockholdersEquity">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Total of all Liabilities and Stockholders' Equity items (or Partners' Capital, as applicable), including the portion of equity attributable to noncontrolling interests, if any.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 32<br><br> -Article 5<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.32)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 7<br><br> -Section 03<br><br> -Paragraph 25<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LiabilitiesAndStockholdersEquity</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LiabilitiesOfAssetsHeldForSale">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Liability (such as a mortgage) related to a disposal group that is held for sale and anticipated to be sold in less than one year. The liability is expected to be discharged as part of the plan of sale for the asset.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 205<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6360339&amp;loc=d3e1436-107760<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 144<br><br> -Paragraph 46<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-03.15)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879938&amp;loc=d3e572229-122910<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 205<br><br> -SubTopic 20<br><br> -Section 45<br><br> -Paragraph 10<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6892542&amp;loc=d3e1107-107759<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LiabilitiesOfAssetsHeldForSale</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableNetReportedAmount">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Reflects the aggregate carrying amount of all categories of loans and leases held in portfolio, net of unearned income and the allowance for losses on loans and leases.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Statement of Position (SOP)<br><br> -Number 01-6<br><br> -Paragraph 13<br><br> -Subparagraph e<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6375948&amp;loc=d3e4428-111522<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.7)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoansAndLeasesReceivableNetReportedAmount</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherAssets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate carrying amounts, as of the balance sheet date, of assets not separately disclosed in the balance sheet.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 17<br><br> -Article 5<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 7<br><br> -Section 03<br><br> -Paragraph 10<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.17)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherAssets</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherLiabilities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate carrying amount, as of the balance sheet date, of liabilities not separately disclosed in the balance sheet.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 9<br><br> -Section 03<br><br> -Paragraph 15<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.15)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherLiabilities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RelatedPartyTransactionDueFromToRelatedParty">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Receivables to be collected from (obligations owed to) related parties, net as of the balance sheet date where one party can exercise control or significant influence over another party; including affiliates, owners or officers and their immediate families, pension trusts, and so forth.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 850<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (d)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6457730&amp;loc=d3e39549-107864<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 4<br><br> -Section 08<br><br> -Paragraph k<br><br> -Subparagraph 1<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 57<br><br> -Paragraph 2<br><br> -Subparagraph d<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(k)(1))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6881521&amp;loc=d3e23780-122690<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_RelatedPartyTransactionDueFromToRelatedParty</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
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          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RestrictedCashAndInvestmentsCurrent">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The current cash, cash equivalents and investments that are restricted as to withdrawal or usage. Restrictions may include legally restricted deposits held as compensating balances against short-term borrowing arrangements, contracts entered into with others, or entity statements of intention with regard to particular deposits; however, time deposits and short-term certificates of deposit are not generally included in legally restricted deposits. Excludes compensating balance arrangements that are not agreements which legally restrict the use of cash amounts shown on the balance sheet. Includes current cash equivalents and investments that are similarly restricted as to withdrawal, usage or disposal.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 1<br><br> -Article 5<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_RestrictedCashAndInvestmentsCurrent</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
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            </div>
          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StockholdersEquity">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Total of all stockholders' equity (deficit) items, net of receivables from officers, directors, owners, and affiliates of the entity which are attributable to the parent. The amount of the economic entity's stockholders' equity attributable to the parent excludes the amount of stockholders' equity which is allocable to that ownership interest in subsidiary equity which is not attributable to the parent (noncontrolling interest, minority interest). This excludes temporary equity and is sometimes called permanent equity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.29-31)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph A3<br><br> -Appendix A<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 29, 30, 31<br><br> -Article 5<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Staff Accounting Bulletin (SAB)<br><br> -Number Topic 4<br><br> -Section E<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SAB TOPIC 4.E)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6228006&amp;loc=d3e74512-122707<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_StockholdersEquity</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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                </table>
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  <head>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0E5PAE">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Loss Per Share And Stockholders' Equity (Computation Of Basic And Diluted Loss Per Share From Continuing Operations) (Details) (USD $)<br>In Thousands, except Per Share data, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="2">3 Months Ended</th>
        <th class="th" colspan="2">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Jan. 31, 2012</div>
        </th>
        <th class="th">
          <div>Jan. 31, 2011</div>
        </th>
        <th class="th">
          <div>Jan. 31, 2012</div>
        </th>
        <th class="th">
          <div>Jan. 31, 2011</div>
        </th>
      </tr>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_LossPerShareAndStockholdersEquityAbstract', window );"><strong>Loss Per Share And Stockholders' Equity [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest', window );">Net loss from continuing operations attributable to shareholders</a></td>
        <td class="num">$ (3,567)<span></span></td>
        <td class="num">$ (11,034)<span></span></td>
        <td class="num">$ (245,735)<span></span></td>
        <td class="num">$ (250,286)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_EarningsAllocatedToParticipatingSecurities', window );">Amounts allocated to participating securities (nonvested shares)</a></td>
        <td class="nump">24<span></span></td>
        <td class="num">(148)<span></span></td>
        <td class="num">(152)<span></span></td>
        <td class="num">(142)<span></span></td>
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      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic', window );">Net loss from continuing operations attributable to common shareholders</a></td>
        <td class="num">$ (3,543)<span></span></td>
        <td class="num">$ (11,182)<span></span></td>
        <td class="num">$ (245,887)<span></span></td>
        <td class="num">$ (250,428)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic', window );">Basic weighted average common shares</a></td>
        <td class="nump">292,963<span></span></td>
        <td class="nump">305,144<span></span></td>
        <td class="nump">299,450<span></span></td>
        <td class="nump">310,546<span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment', window );">Potential dilutive shares</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding', window );">Dilutive weighted average common shares</a></td>
        <td class="nump">292,963<span></span></td>
        <td class="nump">305,144<span></span></td>
        <td class="nump">299,450<span></span></td>
        <td class="nump">310,546<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareAbstract', window );"><strong>Loss per share from continuing operations:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromContinuingOperationsPerBasicShare', window );">Basic</a></td>
        <td class="num">$ (0.01)<span></span></td>
        <td class="num">$ (0.04)<span></span></td>
        <td class="num">$ (0.82)<span></span></td>
        <td class="num">$ (0.80)<span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromContinuingOperationsPerDilutedShare', window );">Diluted</a></td>
        <td class="num">$ (0.01)<span></span></td>
        <td class="num">$ (0.04)<span></span></td>
        <td class="num">$ (0.82)<span></span></td>
        <td class="num">$ (0.80)<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_hrb_EarningsAllocatedToParticipatingSecurities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Earnings Allocated To Participating Securities</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_EarningsAllocatedToParticipatingSecurities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>hrb_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_hrb_LossPerShareAndStockholdersEquityAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_LossPerShareAndStockholdersEquityAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>hrb_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EarningsPerShareAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_EarningsPerShareAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This element represents the income or loss from continuing operations attributable to the economic entity which may also be defined as revenue less expenses and taxes from ongoing operations before extraordinary items, and noncontrolling interest.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 28<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 29<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 810<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 19<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6921628&amp;loc=SL4569616-111683<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeLossFromContinuingOperationsPerBasicShare">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of net income (loss) from continuing operations per each share of common stock or unit outstanding during the reporting period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.23)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 5<br><br> -Section 03<br><br> -Paragraph 20<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Article 7<br><br> -Paragraph 18<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Emerging Issues Task Force (EITF)<br><br> -Number 07-4<br><br> -Paragraph 4<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 128<br><br> -Paragraph 36, 37, 38<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.19)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.21)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 21<br><br> -Article 9<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920599&amp;loc=d3e1252-109256<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncomeLossFromContinuingOperationsPerBasicShare</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeLossFromContinuingOperationsPerDilutedShare">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of net income (loss) derived from continuing operations during the period available to each share of common stock or common unit outstanding during the reporting period and to each share or unit that would have been outstanding assuming the issuance of common shares or units for all dilutive potential common shares or units outstanding during the reporting period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.21)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Article 7<br><br> -Paragraph 18<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 21<br><br> -Article 9<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Emerging Issues Task Force (EITF)<br><br> -Number 07-4<br><br> -Paragraph 4<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 5<br><br> -Section 03<br><br> -Paragraph 20<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920599&amp;loc=d3e1252-109256<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 128<br><br> -Paragraph 11, 12, 36, 37, 38<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 128<br><br> -Paragraph 40<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncomeLossFromContinuingOperationsPerDilutedShare</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Net income after adjustments for dividends on preferred stock (declared in the period) and/or cumulative preferred stock (accumulated for the period).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 128<br><br> -Paragraph 9<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920599&amp;loc=d3e1377-109256<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetIncomeLossAvailableToCommonStockholdersBasic</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The sum of dilutive potential common shares or units used in the calculation of the diluted per-share or per-unit computation.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 128<br><br> -Paragraph 40<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Emerging Issues Task Force (EITF)<br><br> -Number 07-4<br><br> -Paragraph 4<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_WeightedAverageNumberDilutedSharesOutstandingAdjustment</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The average number of shares or units issued and outstanding that are used in calculating diluted EPS or earnings per unit (EPU), determined based on the timing of issuance of shares or units in the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 16<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920599&amp;loc=d3e1505-109256<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Emerging Issues Task Force (EITF)<br><br> -Number 07-4<br><br> -Paragraph 4<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 128<br><br> -Paragraph 40<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 128<br><br> -Paragraph 8<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_WeightedAverageNumberOfDilutedSharesOutstanding</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_WeightedAverageNumberOfSharesOutstandingBasic">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Number of [basic] shares or units, after adjustment for contingently issuable shares or units and other shares or units not deemed outstanding, determined by relating the portion of time within a reporting period that common shares or units have been outstanding to the total time in that period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 10<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920599&amp;loc=d3e1448-109256<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 128<br><br> -Paragraph 171<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Weighted-Average Number of Common Shares Outstanding<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6528421<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 128<br><br> -Paragraph 40<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 128<br><br> -Paragraph 8<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Emerging Issues Task Force (EITF)<br><br> -Number 07-4<br><br> -Paragraph 4<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_WeightedAverageNumberOfSharesOutstandingBasic</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EAGBI">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>Mortgage Loans Held For Investment And Related Assets (Schedule Of Past Due Mortgage Loans) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="2">
          <div>Jan. 31, 2012</div>
        </th>
        <th class="th">
          <div>Apr. 30, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems', window );"><strong>Mortgage Loans Held For Investment And Related Assets [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Total Portfolio</a></td>
        <td class="nump">$ 516,509<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="nump">$ 572,974<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Purchased From SCC [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems', window );"><strong>Mortgage Loans Held For Investment And Related Assets [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Total Portfolio</a></td>
        <td class="nump">324,122<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">All Other [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems', window );"><strong>Mortgage Loans Held For Investment And Related Assets [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Total Portfolio</a></td>
        <td class="nump">192,387<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Less Than 60 Days Past Due [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems', window );"><strong>Mortgage Loans Held For Investment And Related Assets [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Total Portfolio</a></td>
        <td class="nump">37,299<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Less Than 60 Days Past Due [Member] | Purchased From SCC [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems', window );"><strong>Mortgage Loans Held For Investment And Related Assets [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Total Portfolio</a></td>
        <td class="nump">28,876<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Less Than 60 Days Past Due [Member] | All Other [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems', window );"><strong>Mortgage Loans Held For Investment And Related Assets [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Total Portfolio</a></td>
        <td class="nump">8,423<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">60 - 89 Days Past Due [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems', window );"><strong>Mortgage Loans Held For Investment And Related Assets [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Total Portfolio</a></td>
        <td class="nump">7,683<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">60 - 89 Days Past Due [Member] | Purchased From SCC [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems', window );"><strong>Mortgage Loans Held For Investment And Related Assets [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Total Portfolio</a></td>
        <td class="nump">6,159<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">60 - 89 Days Past Due [Member] | All Other [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems', window );"><strong>Mortgage Loans Held For Investment And Related Assets [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Total Portfolio</a></td>
        <td class="nump">1,524<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">90 + Days Past Due [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems', window );"><strong>Mortgage Loans Held For Investment And Related Assets [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Total Portfolio</a></td>
        <td class="nump">161,886<span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">90 + Days Past Due [Member] | Purchased From SCC [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems', window );"><strong>Mortgage Loans Held For Investment And Related Assets [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Total Portfolio</a></td>
        <td class="nump">141,247<span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">90 + Days Past Due [Member] | All Other [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems', window );"><strong>Mortgage Loans Held For Investment And Related Assets [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Total Portfolio</a></td>
        <td class="nump">20,639<span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Total Past Due [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems', window );"><strong>Mortgage Loans Held For Investment And Related Assets [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Total Portfolio</a></td>
        <td class="nump">206,868<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Total Past Due [Member] | Purchased From SCC [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems', window );"><strong>Mortgage Loans Held For Investment And Related Assets [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Total Portfolio</a></td>
        <td class="nump">176,282<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Total Past Due [Member] | All Other [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems', window );"><strong>Mortgage Loans Held For Investment And Related Assets [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Total Portfolio</a></td>
        <td class="nump">30,586<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Current [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems', window );"><strong>Mortgage Loans Held For Investment And Related Assets [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Total Portfolio</a></td>
        <td class="nump">309,641<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Current [Member] | Purchased From SCC [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems', window );"><strong>Mortgage Loans Held For Investment And Related Assets [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Total Portfolio</a></td>
        <td class="nump">147,840<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Current [Member] | All Other [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems', window );"><strong>Mortgage Loans Held For Investment And Related Assets [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Total Portfolio</a></td>
        <td class="nump">$ 161,801<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr>
        <td colspan="4"></td>
      </tr>
      <tr>
        <td colspan="4">
          <table class="outerFootnotes" width="100%">
            <tr class="outerFootnote">
              <td style="vertical-align: top;" valign="top">[1]</td>
              <td style="vertical-align: top;" valign="top">We do not accrue interest on loans past due 90 days or more. </td>
            </tr>
          </table>
        </td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>hrb_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Reflects the aggregate gross carrying amount of all categories of loans and leases held in portfolio, prior to deducting deferred income and the allowance for losses on loans and leases.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Statement of Position (SOP)<br><br> -Number 01-6<br><br> -Paragraph 13<br><br> -Subparagraph e<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6375948&amp;loc=d3e4428-111522<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoansAndLeasesReceivableGrossCarryingAmount</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
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  </body>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>61
<FILENAME>R72.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EAWAE">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>Regulatory Requirements (HRB Bank's Regulatory Capital Requirements) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="2">
          <div>Dec. 31, 2011</div>
        </th>
        <th class="th" colspan="2">
          <div>Mar. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_RegulatoryRequirementsAbstract', window );"><strong>Regulatory Requirements [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Capital', window );">Total risk-based capital ratio, amount</a></td>
        <td class="nump">$ 411,163<span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
        <td class="nump">$ 405,000<span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CapitalToRiskWeightedAssets', window );">Total risk-based capital ratio</a></td>
        <td class="nump">48.80%<span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
        <td class="nump">92.50%<span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CapitalRequiredForCapitalAdequacy', window );">Total risk-based capital ratio, for capital adequacy purposes, amount</a></td>
        <td class="nump">67,407<span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
        <td class="nump">35,019<span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CapitalRequiredForCapitalAdequacyToRiskWeightedAssets', window );">Total risk-based capital ratio, for capital adequacy</a></td>
        <td class="nump">8.00%<span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
        <td class="nump">8.00%<span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CapitalRequiredToBeWellCapitalized', window );">Total risk-based capital ratio, to be well capitalized, amount</a></td>
        <td class="nump">84,258<span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
        <td class="nump">43,773<span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets', window );">Total risk-based capital ratio, to be well capitalized</a></td>
        <td class="nump">10.00%<span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
        <td class="nump">10.00%<span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapital', window );">Tier 1 risk-based capital ratio, amount</a></td>
        <td class="nump">400,438<span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></td>
        <td class="nump">399,187<span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets', window );">Tier 1 risk-based capital ratio</a></td>
        <td class="nump">47.50%<span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></td>
        <td class="nump">91.20%<span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized', window );">Tier 1 risk-based capital ratio, to be well capitalized, amount</a></td>
        <td class="nump">50,555<span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></td>
        <td class="nump">26,264<span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets', window );">Tier 1 risk-based capital ratio, to be well capitalized</a></td>
        <td class="nump">6.00%<span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></td>
        <td class="nump">6.00%<span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[2]</sup></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapital', window );">Tier 1 capital ratio (leverage), amount</a></td>
        <td class="nump">400,438<span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[3]</sup></td>
        <td class="nump">399,187<span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[3]</sup></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalToAverageAssets', window );">Tier 1 capital ratio (leverage)</a></td>
        <td class="nump">25.60%<span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[3]</sup></td>
        <td class="nump">22.80%<span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[3]</sup></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy', window );">Tier 1 capital ratio (leverage), for capital adequacy, amount</a></td>
        <td class="nump">187,642<span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[3]</sup></td>
        <td class="nump">209,758<span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[3]</sup></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets', window );">Tier 1 capital ratio (leverage), for capital adequacy</a></td>
        <td class="nump">12.00%<span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[3]</sup></td>
        <td class="nump">12.00%<span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[3]</sup></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized', window );">Tier 1 capital ratio (leverage), to be well capitalized, amount</a></td>
        <td class="nump">78,184<span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[3]</sup></td>
        <td class="nump">87,399<span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[3]</sup></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets', window );">Tier 1 capital ratio (leverage), to be well capitalized</a></td>
        <td class="nump">5.00%<span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[3]</sup></td>
        <td class="nump">5.00%<span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[3]</sup></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TangibleCapital', window );">Tangible equity ratio, amount</a></td>
        <td class="nump">400,438<span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[4]</sup></td>
        <td class="nump">399,187<span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[4]</sup></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TangibleCapitalToTangibleAssets', window );">Tangible equity ratio</a></td>
        <td class="nump">25.60%<span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[4]</sup></td>
        <td class="nump">22.80%<span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[4]</sup></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TangibleCapitalRequiredForCapitalAdequacy', window );">Tangible equity ratio, for capital adequacy, amount</a></td>
        <td class="nump">$ 23,455<span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[4]</sup></td>
        <td class="nump">$ 26,220<span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[4]</sup></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TangibleCapitalRequiredForCapitalAdequacyToTangibleAssets', window );">Tangible equity ratio, for capital adequacy</a></td>
        <td class="nump">1.50%<span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[4]</sup></td>
        <td class="nump">1.50%<span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[4]</sup></td>
      </tr>
      <tr>
        <td colspan="5"></td>
      </tr>
      <tr>
        <td colspan="5">
          <table class="outerFootnotes" width="100%">
            <tr class="outerFootnote">
              <td style="vertical-align: top;" valign="top">[1]</td>
              <td style="vertical-align: top;" valign="top">Total risk-based capital divided by risk-weighted assets.</td>
            </tr>
            <tr class="outerFootnote">
              <td style="vertical-align: top;" valign="top">[2]</td>
              <td style="vertical-align: top;" valign="top">Tier 1 (core) capital less deduction for low-level recourse and residual interest divided by risk-weighted assets.</td>
            </tr>
            <tr class="outerFootnote">
              <td style="vertical-align: top;" valign="top">[3]</td>
              <td style="vertical-align: top;" valign="top">Tier 1 (core) capital divided by adjusted total assets.</td>
            </tr>
            <tr class="outerFootnote">
              <td style="vertical-align: top;" valign="top">[4]</td>
              <td style="vertical-align: top;" valign="top">Tangible capital divided by tangible assets. </td>
            </tr>
          </table>
        </td>
      </tr>
    </table>
    <div style="display: none;">
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        </tr>
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of total capital as defined in the regulations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1H<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6918689&amp;loc=d3e65071-112826<br><br> -Subparagraph (c)(1)<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1H<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6918689&amp;loc=d3e65071-112826<br><br> -Subparagraph (c)(2)<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 17<br><br> -Paragraph 15<br><br> -Subparagraph 3a<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 948<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6490092&amp;loc=d3e47304-110998<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 17<br><br> -Paragraph 54<br><br> -Subparagraph 3a<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 948<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6490092&amp;loc=d3e47080-110998<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
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                    <td><strong> Name:</strong></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The minimum amount of Total Capital required for capital adequacy purposes under the regulatory framework for prompt corrective action.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 17<br><br> -Paragraph 15<br><br> -Subparagraph 3a<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1H<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6918689&amp;loc=d3e65071-112826<br><br> -Subparagraph (c)(2)<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6918689&amp;loc=SL5958568-112826<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The minimum Total risk based capital ratio (total capital divided by risk weighted assets) required for capital adequacy purposes under the regulatory framework for prompt corrective action.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6918689&amp;loc=SL5958568-112826<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1B<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6918689&amp;loc=SL5958570-112826<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 17<br><br> -Paragraph 15<br><br> -Subparagraph 3a<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 17<br><br> -Paragraph 22<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1H<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6918689&amp;loc=d3e65071-112826<br><br> -Subparagraph (c)(2)<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of Total Capital required to be categorized as well as capitalized under the regulatory framework for prompt corrective action.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 17<br><br> -Paragraph 15<br><br> -Subparagraph 3a<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CapitalRequiredToBeWellCapitalized</nobr></td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The Total risk based capital ratio (total capital divided by risk weighted assets) required to be categorized as "well capitalized", in the regulatory framework for prompt corrective action.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 17<br><br> -Paragraph 15<br><br> -Subparagraph 3a<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 17<br><br> -Paragraph 22<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CapitalRequiredToBeWellCapitalizedToRiskWeightedAssets</nobr></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Total Capital divided by risk weighted assets as defined in the regulations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6918689&amp;loc=SL5958568-112826<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 17<br><br> -Paragraph 15<br><br> -Subparagraph 3a<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 17<br><br> -Paragraph 22<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1H<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6918689&amp;loc=d3e65071-112826<br><br> -Subparagraph (c)(2)<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tangible capital as defined in the regulations (generally includes outstanding stock plus retained earnings) for banking institutions subject to Office of Thrift Supervision (OTS) capital requirements.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 17<br><br> -Paragraph 15<br><br> -Subparagraph 3a<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1H<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6918689&amp;loc=d3e65071-112826<br><br> -Subparagraph (c)(2)<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6918689&amp;loc=SL5958568-112826<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_TangibleCapital</nobr></td>
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                  <tr>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The minimum amount of tangible capital required under the regulatory framework for prompt corrective action.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 17<br><br> -Paragraph 15<br><br> -Subparagraph 3a<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1H<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6918689&amp;loc=d3e65071-112826<br><br> -Subparagraph (c)(2)<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6918689&amp;loc=SL5958568-112826<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The minimum amount of Tangible Capital divided by tangible assets (Tangible Capital Ratio) as defined in the regulations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1B<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6918689&amp;loc=SL5958570-112826<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 17<br><br> -Paragraph 15<br><br> -Subparagraph 3a<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1H<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6918689&amp;loc=d3e65071-112826<br><br> -Subparagraph (c)(2)<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6918689&amp;loc=SL5958568-112826<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                  <tr>
                    <td><strong> Name:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tangible Capital divided by Tangible assets as defined in the regulations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 17<br><br> -Paragraph 15<br><br> -Subparagraph 3a<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1H<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6918689&amp;loc=d3e65071-112826<br><br> -Subparagraph (c)(2)<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6918689&amp;loc=SL5958568-112826<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneLeverageCapital">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tier 1 Leverage Capital as defined in the regulations. Also called Core Capital.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 17<br><br> -Paragraph 15<br><br> -Subparagraph 3a<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1H<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6918689&amp;loc=d3e65071-112826<br><br> -Subparagraph (c)(2)<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6918689&amp;loc=SL5958568-112826<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_TierOneLeverageCapital</nobr></td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The minimum amount of Tier 1 Leverage Capital required for capital adequacy purposes under the regulatory framework for prompt corrective action.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 17<br><br> -Paragraph 15<br><br> -Subparagraph 3a<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1H<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6918689&amp;loc=d3e65071-112826<br><br> -Subparagraph (c)(2)<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6918689&amp;loc=SL5958568-112826<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacy</nobr></td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The minimum amount of Tier 1 Leverage Capital for capital adequacy purposes divided by average assets as defined in the regulations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1B<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6918689&amp;loc=SL5958570-112826<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 17<br><br> -Paragraph 15<br><br> -Subparagraph 3a<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1H<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6918689&amp;loc=d3e65071-112826<br><br> -Subparagraph (c)(2)<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6918689&amp;loc=SL5958568-112826<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_TierOneLeverageCapitalRequiredForCapitalAdequacyToAverageAssets</nobr></td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of Tier 1 Leverage Capital required to be categorized as well capitalized under the regulatory framework for prompt corrective action.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 17<br><br> -Paragraph 15<br><br> -Subparagraph 3a<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalized</nobr></td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of Tier 1 Leverage Capital required to be categorized as well capitalized divided by average assets as defined in the regulatory framework for prompt corrective action.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 17<br><br> -Paragraph 15<br><br> -Subparagraph 3a<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_TierOneLeverageCapitalRequiredToBeWellCapitalizedToAverageAssets</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td>num:percentItemType</td>
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                    <td>na</td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tier 1 Leverage Capital divided by average assets as defined in the regulations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 17<br><br> -Paragraph 15<br><br> -Subparagraph 3a<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1H<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6918689&amp;loc=d3e65071-112826<br><br> -Subparagraph (c)(2)<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6918689&amp;loc=SL5958568-112826<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_TierOneLeverageCapitalToAverageAssets</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneRiskBasedCapital">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tier 1 Risk Based Capital as defined in the regulations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 17<br><br> -Paragraph 15<br><br> -Subparagraph 3a<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1H<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6918689&amp;loc=d3e65071-112826<br><br> -Subparagraph (c)(2)<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6918689&amp;loc=SL5958568-112826<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_TierOneRiskBasedCapital</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of Tier 1 Risk Based Capital required to be categorized as well capitalized under the regulatory framework for prompt corrective action.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 17<br><br> -Paragraph 15<br><br> -Subparagraph 3a<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalized</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The Tier 1 capital ratio (Tier 1 capital divided by risk weighted assets) required to be categorized as "well capitalized" under the regulatory framework for prompt corrective action.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 17<br><br> -Paragraph 15<br><br> -Subparagraph 3a<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 17<br><br> -Paragraph 22<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_TierOneRiskBasedCapitalRequiredToBeWellCapitalizedToRiskWeightedAssets</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td>num:percentItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tier 1 capital divided by risk weighted assets as defined by regulations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6918689&amp;loc=SL5958568-112826<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 17<br><br> -Paragraph 15<br><br> -Subparagraph 3a<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 17<br><br> -Paragraph 22<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 505<br><br> -Section 50<br><br> -Paragraph 1H<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6918689&amp;loc=d3e65071-112826<br><br> -Subparagraph (c)(2)<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_TierOneRiskBasedCapitalToRiskWeightedAssets</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EQUAG">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>Condensed Consolidated Balance Sheets (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Jan. 31, 2012</div>
        </th>
        <th class="th">
          <div>Apr. 30, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AssetsAbstract', window );"><strong>ASSETS</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">Cash and cash equivalents</a></td>
        <td class="nump">$ 1,218,984<span></span></td>
        <td class="nump">$ 1,677,844<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RestrictedCashAndInvestmentsCurrent', window );">Cash and cash equivalents - restricted</a></td>
        <td class="nump">34,168<span></span></td>
        <td class="nump">48,383<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsReceivableNetCurrent', window );">Receivables, less allowance for doubtful accounts of $64,139 and $47,943</a></td>
        <td class="nump">1,035,902<span></span></td>
        <td class="nump">230,172<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PrepaidExpenseAndOtherAssetsCurrent', window );">Prepaid expenses and other current assets</a></td>
        <td class="nump">230,612<span></span></td>
        <td class="nump">191,360<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherAssetsHeldForSaleCurrent', window );">Assets of discontinued operations, held for sale</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">900,328<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AssetsCurrent', window );">Total current assets</a></td>
        <td class="nump">2,519,666<span></span></td>
        <td class="nump">3,048,087<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetReportedAmount', window );">Mortgage loans held for investment, less allowance for loan losses of $89,949 and $92,087</a></td>
        <td class="nump">430,189<span></span></td>
        <td class="nump">485,008<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesNoncurrent', window );">Investments in available-for-sale securities</a></td>
        <td class="nump">312,183<span></span></td>
        <td class="nump">163,836<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PropertyPlantAndEquipmentNet', window );">Property and equipment, at cost, less accumulated depreciation and amortization of $617,314 and $578,655</a></td>
        <td class="nump">260,755<span></span></td>
        <td class="nump">255,298<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IntangibleAssetsNetExcludingGoodwill', window );">Intangible assets, net</a></td>
        <td class="nump">268,148<span></span></td>
        <td class="nump">275,342<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Goodwill', window );">Goodwill</a></td>
        <td class="nump">433,595<span></span></td>
        <td class="nump">434,151<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherAssetsNoncurrent', window );">Other assets</a></td>
        <td class="nump">628,253<span></span></td>
        <td class="nump">627,731<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Assets', window );">Total assets</a></td>
        <td class="nump">4,852,789<span></span></td>
        <td class="nump">5,289,453<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesAbstract', window );"><strong>Liabilities:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CustomerDepositsCurrent', window );">Customer banking deposits</a></td>
        <td class="nump">1,587,988<span></span></td>
        <td class="nump">852,220<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccruedLiabilitiesCurrent', window );">Accounts payable, accrued expenses and other current liabilities</a></td>
        <td class="nump">597,644<span></span></td>
        <td class="nump">550,982<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EmployeeRelatedLiabilitiesCurrent', window );">Accrued salaries, wages and payroll taxes</a></td>
        <td class="nump">130,245<span></span></td>
        <td class="nump">208,748<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccruedIncomeTaxesCurrent', window );">Accrued income taxes</a></td>
        <td class="nump">40,596<span></span></td>
        <td class="nump">458,911<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommercialPaper', window );">Commercial paper borrowings</a></td>
        <td class="nump">230,947<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtCurrent', window );">Current portion of long-term debt</a></td>
        <td class="nump">630,996<span></span></td>
        <td class="nump">557<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FederalHomeLoanBankAdvancesShortTerm', window );">Federal Home Loan Bank borrowings</a></td>
        <td class="nump">25,000<span></span></td>
        <td class="nump">25,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesOfAssetsHeldForSale', window );">Liabilities of discontinued operations, held for sale</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">241,562<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesCurrent', window );">Total current liabilities</a></td>
        <td class="nump">3,243,416<span></span></td>
        <td class="nump">2,337,980<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongTermDebtAndCapitalLeaseObligations', window );">Long-term debt</a></td>
        <td class="nump">409,241<span></span></td>
        <td class="nump">1,039,527<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherLiabilitiesNoncurrent', window );">Other noncurrent liabilities</a></td>
        <td class="nump">393,683<span></span></td>
        <td class="nump">462,372<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Liabilities', window );">Total liabilities</a></td>
        <td class="nump">4,046,340<span></span></td>
        <td class="nump">3,839,879<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommitmentsAndContingencies', window );">Commitments and contingencies</a></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
        <td class="text">&nbsp;&nbsp;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquityAbstract', window );"><strong>Stockholders' equity:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockValue', window );">Common stock, no par, stated value $.01 per share, 800,000,000 shares authorized, shares issued of 399,397,099 and 412,440,599</a></td>
        <td class="nump">3,994<span></span></td>
        <td class="nump">4,124<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdditionalPaidInCapitalCommonStock', window );">Additional paid-in capital</a></td>
        <td class="nump">797,853<span></span></td>
        <td class="nump">812,666<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax', window );">Accumulated other comprehensive income</a></td>
        <td class="nump">7,409<span></span></td>
        <td class="nump">11,233<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RetainedEarningsAccumulatedDeficit', window );">Retained earnings</a></td>
        <td class="nump">2,018,252<span></span></td>
        <td class="nump">2,658,103<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TreasuryStockValue', window );">Less treasury shares, at cost</a></td>
        <td class="num">(2,021,059)<span></span></td>
        <td class="num">(2,036,552)<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StockholdersEquity', window );">Total stockholders' equity</a></td>
        <td class="nump">806,449<span></span></td>
        <td class="nump">1,449,574<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LiabilitiesAndStockholdersEquity', window );">Total liabilities and stockholders' equity</a></td>
        <td class="nump">$ 4,852,789<span></span></td>
        <td class="nump">$ 5,289,453<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountsReceivableNetCurrent">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount due from customers or clients, within one year of the balance sheet date (or the normal operating cycle, whichever is longer), for goods or services (including trade receivables) that have been delivered or sold in the normal course of business, reduced to the estimated net realizable fair value by an allowance established by the entity of the amount it deems uncertain of collection.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 3<br><br><br><br> -Subparagraph a(1)<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 4<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.3-4)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AccountsReceivableNetCurrent</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccruedIncomeTaxesCurrent">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Carrying amount as of the balance sheet date of the unpaid sum of the known and estimated amounts payable to satisfy all currently due domestic and foreign income tax obligations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Article 7<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 15<br><br><br><br> -Subparagraph b(1)<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Article 9<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 15<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 20<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.20)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 109<br><br><br><br> -Section Appendix E<br><br><br><br> -Paragraph 289<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name FASB Interpretation (FIN)<br><br><br><br> -Number 48<br><br><br><br> -Paragraph 15, 21<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AccruedIncomeTaxesCurrent</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccruedLiabilitiesCurrent">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Carrying value as of the balance sheet date of obligations incurred and payable, pertaining to costs that are statutory in nature, are incurred on contractual obligations, or accumulate over time and for which invoices have not yet been received or will not be rendered. Examples include taxes, interest, rent and utilities. Used to reflect the current portion of the liabilities (due within one year or within the normal operating cycle if longer).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 20<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.20)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AccruedLiabilitiesCurrent</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Accumulated change in equity from transactions and other events and circumstances from non-owner sources, net of tax effect, at period end. Excludes Net Income (Loss), and accumulated changes in equity from transactions resulting from investments by owners and distributions to owners. Includes foreign currency translation items, certain pension adjustments, unrealized gains and losses on certain investments in debt and equity securities, other than temporary impairment (OTTI) losses related to factors other than credit losses on available-for-sale and held-to-maturity debt securities that an entity does not intend to sell and it is not more likely than not that the entity will be required to sell before recovery of the amortized cost basis, as well as changes in the fair value of derivatives related to the effective portion of a designated cash flow hedge.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 220<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 13<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e653-108580<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 130<br><br><br><br> -Paragraph 14, 17, 26<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 31<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Accounting Principles Board Opinion (APB)<br><br><br><br> -Number 12<br><br><br><br> -Paragraph 10<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name FASB Staff Position (FSP)<br><br><br><br> -Number FAS115-1/124-1<br><br><br><br> -Paragraph 15D<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 220<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 11<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e637-108580<br><br><br><br><br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Article 3<br><br><br><br><br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 220<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 14<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e681-108580<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AccumulatedOtherComprehensiveIncomeLossNetOfTax</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AdditionalPaidInCapitalCommonStock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Value received from shareholders in common stock-related transactions that are in excess of par value or stated value and amounts received from other stock-related transactions. Includes only common stock transactions (excludes preferred stock transactions). May be called contributed capital, capital in excess of par, capital surplus, or paid-in capital.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 31<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.30(a)(1))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AdditionalPaidInCapitalCommonStock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Assets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Sum of the carrying amounts as of the balance sheet date of all assets that are recognized. Assets are probable future economic benefits obtained or controlled by an entity as a result of past transactions or events.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Article 7<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 12<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br> -Section S99<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Publisher FASB<br><br><br><br> -Paragraph 1<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Concepts (CON)<br><br><br><br> -Number 6<br><br><br><br> -Paragraph 25<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 18<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.18)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_Assets</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AssetsAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AssetsAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AssetsCurrent">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Sum of the carrying amounts as of the balance sheet date of all assets that are expected to be realized in cash, sold, or consumed within one year (or the normal operating cycle, if longer). Assets are probable future economic benefits obtained or controlled by an entity as a result of past transactions or events.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 3<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6361293&amp;loc=d3e6801-107765<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Section 45<br><br><br><br> -SubTopic 10<br><br><br><br> -Topic 210<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6361293&amp;loc=d3e6676-107765<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Paragraph 1<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 9<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.9)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6361293&amp;loc=d3e6676-107765<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AssetsCurrent</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AvailableForSaleSecuritiesNoncurrent">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Investments in debt and equity securities which are categorized neither as held-to-maturity nor trading and which are intended to be sold or mature more than one year from the balance sheet date or operating cycle, if longer. Such securities are reported at fair value; unrealized gains (losses) related to Available-for-sale Securities are excluded from earnings and reported in a separate component of shareholders' equity (other comprehensive income), unless the Available-for-sale security is designated as a hedge or is determined to have had an other than temporary decline in fair value below its amortized cost basis. All or a portion of the unrealized holding gain (loss) of an Available-for-sale security that is designated as being hedged in a fair value hedge is recognized in earnings during the period of the hedge, as are other than temporary declines in fair value below the cost basis for investments in equity securities and debt securities that an entity intends to sell or it is more likely than not that it will be required to sell before the recovery of its amortized cost basis. Other than temporary declines in fair value below the cost basis for debt securities categorized as Available-for-sale that an entity does not intend to sell and for which it is not more likely than not that the entity will be required to sell before the recovery of its amortized cost basis are bifurcated into credit losses and losses related to all other factors. Other than temporary declines in fair value below cost basis related to credit losses are recognized in earnings, and losses related to all other factors are recognized in other comprehensive income.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 320<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 2<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6871852&amp;loc=d3e26626-111562<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name FASB Staff Position (FSP)<br><br><br><br> -Number FAS115-1/124-1<br><br><br><br> -Paragraph 15C<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 115<br><br><br><br> -Paragraph 12<br><br><br><br> -Subparagraph b<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name FASB Staff Position (FSP)<br><br><br><br> -Number FAS115-1/124-1<br><br><br><br> -Paragraph 15D<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 115<br><br><br><br> -Paragraph 17<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Glossary Available-for-Sale Securities<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6505594<br><br><br><br><br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name FASB Staff Position (FSP)<br><br><br><br> -Number FAS115-1/124-1<br><br><br><br> -Paragraph 15E<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableForSaleSecuritiesNoncurrent</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndCashEquivalentsAtCarryingValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Includes currency on hand as well as demand deposits with banks or financial institutions. It also includes other kinds of accounts that have the general characteristics of demand deposits in that the Entity may deposit additional funds at any time and also effectively may withdraw funds at any time without prior notice or penalty. Cash equivalents, excluding items classified as marketable securities, include short-term, highly liquid investments that are both readily convertible to known amounts of cash, and so near their maturity that they present minimal risk of changes in value because of changes in interest rates. Generally, only investments with original maturities of three months or less qualify under that definition. Original maturity means original maturity to the entity holding the investment. For example, both a three-month US Treasury bill and a three-year Treasury note purchased three months from maturity qualify as cash equivalents. However, a Treasury note purchased three years ago does not become a cash equivalent when its remaining maturity is three months. Compensating balance arrangements that do not legally restrict the withdrawal or usage of cash amounts may be reported as Cash and Cash Equivalents, while legally restricted deposits held as compensating balances against borrowing arrangements, contracts entered into with others, or company statements of intention with regard to particular deposits are not generally reported as cash and cash equivalents. Includes cash and cash equivalents associated with the entity's continuing operations. Excludes cash and cash equivalents associated with the disposal group (and discontinued operation).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.1)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 1<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 95<br><br><br><br> -Paragraph 7<br><br><br><br> -Footnote 1<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 230<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 4<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3044-108585<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 95<br><br><br><br> -Paragraph 8, 9<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (a)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6361293&amp;loc=d3e6676-107765<br><br><br><br><br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Glossary Cash<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6506951<br><br><br><br><br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 95<br><br><br><br> -Paragraph 7, 26<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Glossary Cash Equivalents<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6507016<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CashAndCashEquivalentsAtCarryingValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommercialPaper">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Carrying value as of the balance sheet date of short-term borrowings using unsecured obligations issued by banks, corporations and other borrowers to investors. The maturities of these money market securities generally do not exceed 270 days.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.13(2))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Article 9<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 13<br><br><br><br> -Subparagraph 2<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Article 7<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 16<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Article 5<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 19<br><br><br><br> -Subparagraph a(3)<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.19(a)(3))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CommercialPaper</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommitmentsAndContingencies">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Represents the caption on the face of the balance sheet to indicate that the entity has entered into (1) purchase or supply arrangements that will require expending a portion of its resources to meet the terms thereof, and (2) is exposed to potential losses or, less frequently, gains, arising from (a) possible claims against a company's resources due to future performance under contract terms, and (b) possible losses or likely gains from uncertainties that will ultimately be resolved when one or more future events that are deemed likely to occur do occur or fail to occur.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.17)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 17<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Article 7<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 19<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 25<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 944<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.7-03.(a),19)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879938&amp;loc=d3e572229-122910<br><br><br><br><br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 450<br><br><br><br> -SubTopic 20<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6952336&amp;loc=d3e14326-108349<br><br><br><br><br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 5<br><br><br><br> -Paragraph 8, 9<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.25)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CommitmentsAndContingencies</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Aggregate par or stated value of issued nonredeemable common stock (or common stock redeemable solely at the option of the issuer). This item includes treasury stock repurchased by the entity. Note: elements for number of nonredeemable common shares, par value and other disclosure concepts are in another section within stockholders' equity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 30<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.29)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CommonStockValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CustomerDepositsCurrent">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The current portion of money or property received from customers which is either to be returned upon satisfactory contract completion or applied to customer receivables in accordance with the terms of the contract or the understandings.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.20)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CustomerDepositsCurrent</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtCurrent">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Carrying value as of the balance sheet date of the sum of short-term debt and current maturities of long-term debt and capital lease obligations, which are due within one year (or one business cycle if longer).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 19<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.19,20)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DebtCurrent</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EmployeeRelatedLiabilitiesCurrent">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Total of the carrying values as of the balance sheet date of obligations incurred through that date and payable for obligations related to services received from employees, such as accrued salaries and bonuses, payroll taxes and fringe benefits. Used to reflect the current portion of the liabilities (due within one year or within the normal operating cycle if longer).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 20<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.20)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_EmployeeRelatedLiabilitiesCurrent</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FederalHomeLoanBankAdvancesShortTerm">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Federal Home Loan Bank borrowings due within one year of the latest balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 470<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 3<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479336&amp;loc=d3e64711-112823<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Statement of Position (SOP)<br><br><br><br> -Number 01-6<br><br><br><br> -Paragraph 14<br><br><br><br> -Subparagraph f<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher OTS<br><br><br><br> -Name Federal Regulation (FR)<br><br><br><br> -Number Title 12<br><br><br><br> -Chapter V<br><br><br><br> -Section 563c.102<br><br><br><br> -Paragraph 15, 18<br><br><br><br> -Subsection I<br><br><br><br> -LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy.  It will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Audit and Accounting Guide (AAG)<br><br><br><br> -Number AAG-DEP<br><br><br><br> -Chapter 15<br><br><br><br> -Paragraph 37<br><br><br><br> -IssueDate 2006-05-01<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.13)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 13<br><br><br><br> -Article 9<br><br><br><br><br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 47<br><br><br><br> -Paragraph 10<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 470<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6479118&amp;loc=d3e64650-112822<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Carrying amount as of the balance sheet date, which is the cumulative amount paid and (if applicable) the fair value of any noncontrolling interest in the acquiree, adjusted for any amortization recognized prior to the adoption of any changes in generally accepted accounting principles (as applicable) and for any impairment charges, in excess of the fair value of net assets acquired in one or more business combination transactions.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 142<br><br><br><br> -Paragraph 45<br><br><br><br> -Subparagraph e<br><br><br><br> -Clause 1<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 142<br><br><br><br> -Paragraph 43<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 141R<br><br><br><br> -Paragraph 68<br><br><br><br> -Subparagraph l<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 142<br><br><br><br> -Paragraph 45<br><br><br><br> -Subparagraph e<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 141R<br><br><br><br> -Paragraph 34<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 350<br><br><br><br> -SubTopic 20<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6905597&amp;loc=d3e13816-109267<br><br><br><br><br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 350<br><br><br><br> -SubTopic 20<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6388280&amp;loc=d3e13770-109266<br><br><br><br><br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 141R<br><br><br><br> -Paragraph 72<br><br><br><br> -Subparagraph d<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_Goodwill</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Sum of the carrying amounts of all intangible assets, excluding goodwill, as of the balance sheet date, net of accumulated amortization and impairment charges.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 142<br><br><br><br> -Paragraph 42, 45<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 350<br><br><br><br> -SubTopic 30<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 2<br><br><br><br> -Subparagraph ((a)(1),(b))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6905858&amp;loc=d3e16323-109275<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 350<br><br><br><br> -SubTopic 30<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6388964&amp;loc=d3e16212-109274<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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        <tr>
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Sum of the carrying amounts as of the balance sheet date of all liabilities that are recognized. Liabilities are probable future sacrifices of economic benefits arising from present obligations of an entity to transfer assets or provide services to other entities in the future.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.19-26)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_Liabilities</nobr></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Total of all Liabilities and Stockholders' Equity items (or Partners' Capital, as applicable), including the portion of equity attributable to noncontrolling interests, if any.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 32<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.32)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Article 7<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 25<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LiabilitiesAndStockholdersEquity</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Total obligations incurred as part of normal operations that are expected to be paid during the following twelve months or within one business cycle, if longer.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 21<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.21)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LiabilitiesCurrent</nobr></td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Liability (such as a mortgage) related to a disposal group that is held for sale and anticipated to be sold in less than one year. The liability is expected to be discharged as part of the plan of sale for the asset.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 205<br><br><br><br> -SubTopic 20<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 2<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6360339&amp;loc=d3e1436-107760<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 144<br><br><br><br> -Paragraph 46<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 944<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.7-03.15)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879938&amp;loc=d3e572229-122910<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 205<br><br><br><br> -SubTopic 20<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 10<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6892542&amp;loc=d3e1107-107759<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LiabilitiesOfAssetsHeldForSale</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableNetReportedAmount">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Reflects the aggregate carrying amount of all categories of loans and leases held in portfolio, net of unearned income and the allowance for losses on loans and leases.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Statement of Position (SOP)<br><br><br><br> -Number 01-6<br><br><br><br> -Paragraph 13<br><br><br><br> -Subparagraph e<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 310<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 2<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6375948&amp;loc=d3e4428-111522<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.7)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoansAndLeasesReceivableNetReportedAmount</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LongTermDebtAndCapitalLeaseObligations">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Sum of the carrying values as of the balance sheet date of all long-term debt, which is debt initially having maturities due after one year from the balance sheet date or beyond the operating cycle, if longer, but excluding the portions thereof scheduled to be repaid within one year or the normal operating cycle, if longer plus capital lease obligations due to be paid more than one year after the balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 22<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Staff Accounting Bulletin (SAB)<br><br><br><br> -Number Topic 6<br><br><br><br> -Section H<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.22)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LongTermDebtAndCapitalLeaseObligations</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherAssetsHeldForSaleCurrent">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The lower of the carrying value or fair value less cost to sell of current assets held for sale that are not elsewhere specified in the taxonomy. The carrying value of major classes of assets and liabilities of the disposal group are separately disclosed in the balance sheet in the specific concepts provided.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 205<br><br><br><br> -SubTopic 20<br><br><br><br> -Section 45<br><br><br><br> -Paragraph 10<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6892542&amp;loc=d3e1107-107759<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 360<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 35<br><br><br><br> -Paragraph 43<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6390298&amp;loc=d3e1739-110224<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 144<br><br><br><br> -Paragraph 34, 46<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherAssetsHeldForSaleCurrent</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherAssetsNoncurrent">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Aggregate carrying amount, as of the balance sheet date, of noncurrent assets not separately disclosed in the balance sheet. Noncurrent assets are expected to be realized or consumed after one year (or the normal operating cycle, if longer).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 17<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.17)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherAssetsNoncurrent</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherLiabilitiesNoncurrent">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Aggregate carrying amount, as of the balance sheet date, of noncurrent obligations not separately disclosed in the balance sheet. Noncurrent liabilities are expected to be paid after one year (or the normal operating cycle, if longer).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 24<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.24)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherLiabilitiesNoncurrent</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PrepaidExpenseAndOtherAssetsCurrent">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The total of the amounts paid in advance for capitalized costs that will be expensed with the passage of time or the occurrence of a triggering event, and will be charged against earnings within one year or the normal operating cycle, if longer, and the aggregate carrying amount of current assets, as of the balance sheet date, not separately presented elsewhere in the balance sheet. Current assets are expected to be realized or consumed within one year (or the normal operating cycle, if longer).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 8<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Accounting Research Bulletin (ARB)<br><br><br><br> -Number 43<br><br><br><br> -Section A<br><br><br><br> -Paragraph 4<br><br><br><br> -Chapter 3<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Section 45<br><br><br><br> -SubTopic 10<br><br><br><br> -Topic 210<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6361293&amp;loc=d3e6676-107765<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Paragraph 1<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PrepaidExpenseAndOtherAssetsCurrent</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PropertyPlantAndEquipmentNet">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tangible assets that are held by an entity for use in the production or supply of goods and services, for rental to others, or for administrative purposes and that are expected to provide economic benefit for more than one year; net of accumulated depreciation. Examples include land, buildings, machinery and equipment, and other types of furniture and equipment including, but not limited to, office equipment, furniture and fixtures, and computer equipment and software.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.13)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Article 7<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 8<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 13<br><br><br><br> -Subparagraph a<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 12<br><br><br><br> -Paragraph 5<br><br><br><br> -Subparagraph b, c<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 360<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6391035&amp;loc=d3e2868-110229<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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                <p>The current cash, cash equivalents and investments that are restricted as to withdrawal or usage. Restrictions may include legally restricted deposits held as compensating balances against short-term borrowing arrangements, contracts entered into with others, or entity statements of intention with regard to particular deposits; however, time deposits and short-term certificates of deposit are not generally included in legally restricted deposits. Excludes compensating balance arrangements that are not agreements which legally restrict the use of cash amounts shown on the balance sheet. Includes current cash equivalents and investments that are similarly restricted as to withdrawal, usage or disposal.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 1<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.1)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br></p>
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                <p>The cumulative amount of the reporting entity's undistributed earnings or deficit.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.31(a)(3))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Accounting Principles Board Opinion (APB)<br><br><br><br> -Number 12<br><br><br><br> -Paragraph 10<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 31<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 04<br><br><br><br> -Article 3<br><br><br><br><br><br><br><br></p>
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                <p>Total of all stockholders' equity (deficit) items, net of receivables from officers, directors, owners, and affiliates of the entity which are attributable to the parent. The amount of the economic entity's stockholders' equity attributable to the parent excludes the amount of stockholders' equity which is allocable to that ownership interest in subsidiary equity which is not attributable to the parent (noncontrolling interest, minority interest). This excludes temporary equity and is sometimes called permanent equity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.29-31)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Accounting Research Bulletin (ARB)<br><br><br><br> -Number 51<br><br><br><br> -Paragraph A3<br><br><br><br> -Appendix A<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 29, 30, 31<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Staff Accounting Bulletin (SAB)<br><br><br><br> -Number Topic 4<br><br><br><br> -Section E<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 310<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 2<br><br><br><br> -Subparagraph (SAB TOPIC 4.E)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6228006&amp;loc=d3e74512-122707<br><br><br><br><br><br><br><br></p>
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                <p>The amount allocated to treasury stock. Treasury stock is common and preferred shares of an entity that were issued, repurchased by the entity, and are held in its treasury.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name FASB Technical Bulletin (FTB)<br><br><br><br> -Number 85-6<br><br><br><br> -Paragraph 3<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 505<br><br><br><br> -SubTopic 30<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 4<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6405834&amp;loc=d3e23315-112656<br><br><br><br><br><br><br><br></p>
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          <div style="width: 200px;"><strong>Receivables (Schedule Of Receivables Based On Year Of Origination) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
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          <div class="a">Year Of Origination 2009 [Member] | Emerald Advance Lines Of Credit [Member]</div>
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        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableCommercial', window );">Receivables, Net</a></td>
        <td class="nump">4,866<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Year Of Origination 2009 [Member] | Tax Client Receivables - RALs [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableCommercial', window );">Receivables, Net</a></td>
        <td class="nump">2,034<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Year Of Origination 2008 And Prior [Member] | Emerald Advance Lines Of Credit [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableCommercial', window );">Receivables, Net</a></td>
        <td class="nump">2,045<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Year Of Origination 2008 And Prior [Member] | Tax Client Receivables - RALs [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableCommercial', window );">Receivables, Net</a></td>
        <td class="nump">4,813<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Revolving Loans [Member] | Emerald Advance Lines Of Credit [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AccountsNotesAndLoansReceivableLineItems', window );"><strong>Accounts, Notes, Loans and Financing Receivable [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableCommercial', window );">Receivables, Net</a></td>
        <td class="nump">$ 14,398<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccountsNotesAndLoansReceivableLineItems">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AccountsNotesAndLoansReceivableLineItems</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableCommercial">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Reflects the sum of the gross carrying amounts of the various categories of unpaid commercial loans and leases receivable, primarily issued to businesses. Includes: (1) commercial and industrial loans, consisting of general purpose loans to entities involved in producing, transporting, or merchandising products sold in the course of commerce; (2) agricultural loans consisting of borrowings used to finance major equipment and machinery purchases and expenses, livestock or crop production (including fisheries), and to supplement working capital needs of an entity engaged in farming operations; (3) mortgage loans secured by a [legal] security interest in real property [commercial building or business real property]; (4) obligation in the form of [promissory] notes, used for the funding of construction projects; (5) interbank and other loans to financial institutions for the purpose of liquidity management on the part of the borrower; (6) draws against credit facilities provided to companies involved in mortgage banking activities (warehousing); (7) amounts lent to businesses engaged in international activities (trade financing); (8) lease financings; and (9) loans to governmental entities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.7(a),(b))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Statement of Position (SOP)<br><br> -Number 01-6<br><br> -Paragraph 13<br><br> -Subparagraph e<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 9<br><br> -Section 03<br><br> -Paragraph 7<br><br> -Subparagraph a, b<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6375948&amp;loc=d3e4428-111522<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoansAndLeasesReceivableCommercial</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EAJAG">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Condensed Consolidated Statements Of Cash Flows (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="2">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Jan. 31, 2012</div>
        </th>
        <th class="th">
          <div>Jan. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementOfCashFlowsAbstract', window );"><strong>Condensed Consolidated Statements Of Cash Flows [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInOperatingActivities', window );">Net cash used in operating activities</a></td>
        <td class="num">$ (1,382,771)<span></span></td>
        <td class="num">$ (1,505,418)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract', window );"><strong>Cash flows from investing activities:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsToAcquireAvailableForSaleSecurities', window );">Purchases of available-for-sale securities</a></td>
        <td class="num">(178,014)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsForProceedsFromLoansReceivable', window );">Principal repayments on mortgage loans held for investment, net</a></td>
        <td class="nump">35,460<span></span></td>
        <td class="nump">45,316<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment', window );">Purchases of property and equipment, net</a></td>
        <td class="num">(71,549)<span></span></td>
        <td class="num">(51,198)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsToAcquireBusinessesNetOfCashAcquired', window );">Payments made for business acquisitions, net</a></td>
        <td class="num">(16,022)<span></span></td>
        <td class="num">(50,832)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromDivestitureOfBusinessesNetOfCashDivested', window );">Proceeds from sale of businesses, net</a></td>
        <td class="nump">533,055<span></span></td>
        <td class="nump">62,298<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_FranchiseLoansAbstract', window );"><strong>Franchise loans:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_PaymentsForLoansMadeToFranchisees', window );">Loans funded</a></td>
        <td class="num">(43,649)<span></span></td>
        <td class="num">(90,304)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_ProceedsFromCollectionOfFranchiseLoansReceivable', window );">Payments received</a></td>
        <td class="nump">8,455<span></span></td>
        <td class="nump">9,926<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsForProceedsFromOtherInvestingActivities', window );">Other, net</a></td>
        <td class="nump">55,794<span></span></td>
        <td class="nump">38,651<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInInvestingActivities', window );">Net cash provided by (used in) investing activities</a></td>
        <td class="nump">323,530<span></span></td>
        <td class="num">(36,143)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract', window );"><strong>Cash flows from financing activities:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RepaymentsOfCommercialPaper', window );">Repayments of commercial paper</a></td>
        <td class="num">(413,221)<span></span></td>
        <td class="num">(2,654,653)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromRepaymentsOfCommercialPaper', window );">Proceeds from commercial paper</a></td>
        <td class="nump">644,168<span></span></td>
        <td class="nump">3,286,603<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInDeposits', window );">Customer banking deposits, net</a></td>
        <td class="nump">735,252<span></span></td>
        <td class="nump">1,002,274<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsOfDividends', window );">Dividends paid</a></td>
        <td class="num">(150,058)<span></span></td>
        <td class="num">(140,926)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_PaymentsForRepurchaseOfCommonStockIncludingSharesSurrendered', window );">Repurchase of common stock, including shares surrendered</a></td>
        <td class="num">(180,566)<span></span></td>
        <td class="num">(283,494)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromStockOptionsExercised', window );">Proceeds from exercise of stock options, net</a></td>
        <td class="num">(324)<span></span></td>
        <td class="num">(866)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromPaymentsForOtherFinancingActivities', window );">Other, net</a></td>
        <td class="num">(31,424)<span></span></td>
        <td class="num">(10,062)<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInFinancingActivities', window );">Net cash provided by financing activities</a></td>
        <td class="nump">603,827<span></span></td>
        <td class="nump">1,198,876<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EffectOfExchangeRateOnCashAndCashEquivalents', window );">Effects of exchange rates on cash</a></td>
        <td class="num">(3,446)<span></span></td>
        <td class="nump">4,330<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease', window );">Net decrease in cash and cash equivalents</a></td>
        <td class="num">(458,860)<span></span></td>
        <td class="num">(338,355)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">Cash and cash equivalents at beginning of the period</a></td>
        <td class="nump">1,677,844<span></span></td>
        <td class="nump">1,804,045<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">Cash and cash equivalents at end of the period</a></td>
        <td class="nump">1,218,984<span></span></td>
        <td class="nump">1,465,690<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SupplementalCashFlowInformationAbstract', window );"><strong>Supplementary cash flow data:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxesPaidNet', window );">Income taxes paid</a></td>
        <td class="nump">163,471<span></span></td>
        <td class="nump">159,916<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestPaid', window );">Interest paid on borrowings</a></td>
        <td class="nump">55,266<span></span></td>
        <td class="nump">69,313<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_InterestPaidOnDeposits', window );">Interest paid on deposits</a></td>
        <td class="nump">5,170<span></span></td>
        <td class="nump">6,191<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_TransferOfOtherRealEstate', window );">Transfers of foreclosed loans to other assets</a></td>
        <td class="nump">$ 6,521<span></span></td>
        <td class="nump">$ 12,931<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_hrb_FranchiseLoansAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_FranchiseLoansAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>hrb_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_hrb_InterestPaidOnDeposits">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Interest paid to customers based on their deposit balances.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_InterestPaidOnDeposits</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>hrb_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_hrb_PaymentsForLoansMadeToFranchisees">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Payments For Loans Made To Franchisees</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_PaymentsForLoansMadeToFranchisees</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>hrb_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_hrb_PaymentsForRepurchaseOfCommonStockIncludingSharesSurrendered">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Payments for repurchase of common stock, including shares surrendered</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_PaymentsForRepurchaseOfCommonStockIncludingSharesSurrendered</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>hrb_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_hrb_ProceedsFromCollectionOfFranchiseLoansReceivable">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Proceeds from Collection of Franchise Loans Receivable</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_ProceedsFromCollectionOfFranchiseLoansReceivable</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>hrb_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndCashEquivalentsAtCarryingValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Includes currency on hand as well as demand deposits with banks or financial institutions. It also includes other kinds of accounts that have the general characteristics of demand deposits in that the Entity may deposit additional funds at any time and also effectively may withdraw funds at any time without prior notice or penalty. Cash equivalents, excluding items classified as marketable securities, include short-term, highly liquid investments that are both readily convertible to known amounts of cash, and so near their maturity that they present minimal risk of changes in value because of changes in interest rates. Generally, only investments with original maturities of three months or less qualify under that definition. Original maturity means original maturity to the entity holding the investment. For example, both a three-month US Treasury bill and a three-year Treasury note purchased three months from maturity qualify as cash equivalents. However, a Treasury note purchased three years ago does not become a cash equivalent when its remaining maturity is three months. Compensating balance arrangements that do not legally restrict the withdrawal or usage of cash amounts may be reported as Cash and Cash Equivalents, while legally restricted deposits held as compensating balances against borrowing arrangements, contracts entered into with others, or company statements of intention with regard to particular deposits are not generally reported as cash and cash equivalents. Includes cash and cash equivalents associated with the entity's continuing operations. Excludes cash and cash equivalents associated with the disposal group (and discontinued operation).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 1<br><br> -Article 5<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 7<br><br> -Footnote 1<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3044-108585<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 8, 9<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 1<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6361293&amp;loc=d3e6676-107765<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Cash<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6506951<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 7, 26<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Cash Equivalents<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6507016<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CashAndCashEquivalentsAtCarryingValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The increase (decrease) during the reporting period in cash and cash equivalents. While for technical reasons this element has no balance attribute, the default assumption is a debit balance consistent with its label.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 26<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 24<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3521-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EffectOfExchangeRateOnCashAndCashEquivalents">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The effect of exchange rate changes on cash balances held in foreign currencies.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 25<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 830<br><br> -SubTopic 230<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6450594&amp;loc=d3e33268-110906<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_EffectOfExchangeRateOnCashAndCashEquivalents</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxesPaidNet">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of cash paid during the current period to foreign, federal, state, and local authorities as taxes on income, net of any cash received during the current period as refunds for the overpayment of taxes.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 29<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 27<br><br> -Subparagraph f<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367179&amp;loc=d3e4297-108586<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncomeTaxesPaidNet</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInDeposits">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net cash inflow or outflow for the increase (decrease) in the beginning and end of period deposits balances.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 13<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 8<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3095-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 230<br><br> -Section 45<br><br> -Paragraph 1<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6477933&amp;loc=d3e60009-112784<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncreaseDecreaseInDeposits</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestPaid">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of cash paid for interest during the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 29<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 25<br><br> -Subparagraph (e)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3536-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367179&amp;loc=d3e4297-108586<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestPaid</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInFinancingActivities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net cash inflow or outflow from financing activity for the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 26<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 24<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3521-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 26<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3574-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetCashProvidedByUsedInFinancingActivities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetCashProvidedByUsedInFinancingActivitiesAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInInvestingActivities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net cash inflow or outflow from investing activity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 26<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 24<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3521-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 26<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3574-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetCashProvidedByUsedInInvestingActivities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetCashProvidedByUsedInInvestingActivitiesAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInOperatingActivities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net cash from (used in) all of the entity's operating activities, including those of discontinued operations, of the reporting entity. Operating activities generally involve producing and delivering goods and providing services. Operating activity cash flows include transactions, adjustments, and changes in value that are not defined as investing or financing activities. While for technical reasons this element has no balance attribute, the default assumption is a debit balance consistent with its label.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 24<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3521-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 25<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3536-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 28<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 26<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetCashProvidedByUsedInOperatingActivities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsForProceedsFromLoansReceivable">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net amount paid or received by the reporting entity associated with purchase (sale or collection) of loans receivable arising from the financing of goods and services.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 13<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 8<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3095-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 9<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3098-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PaymentsForProceedsFromLoansReceivable</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsForProceedsFromOtherInvestingActivities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net cash outflow or inflow from other investing activities. This element is used when there is not a more specific and appropriate element in the taxonomy.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 8<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3095-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 15<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Investing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6516133<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 9<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3098-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PaymentsForProceedsFromOtherInvestingActivities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsOfDividends">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash outflow from the entity's earnings to the shareholders.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 15<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3291-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 18<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 20<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Financing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6513228<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PaymentsOfDividends</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsToAcquireAvailableForSaleSecurities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash outflow to acquire debt and equity securities not classified as either held-to-maturity securities or trading securities which would be classified as available-for-sale securities and reported at fair value, with unrealized gains and losses excluded from earnings and reported in a separate component of shareholders' equity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 17<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Investing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6516133<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 15<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 13<br><br> -Subparagraph (a),(b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3213-108585<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 17<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 18<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6871852&amp;loc=d3e26853-111562<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PaymentsToAcquireAvailableForSaleSecurities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsToAcquireBusinessesNetOfCashAcquired">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash outflow associated with the acquisition of a business, net of the cash acquired from the purchase.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 15, 17<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Investing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6516133<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 13<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3213-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PaymentsToAcquireBusinessesNetOfCashAcquired</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash outflow associated with the acquisition of long-lived, physical assets that are used in the normal conduct of business to produce goods and services and not intended for resale; includes cash outflows to pay for construction of self-constructed assets.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 13<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3213-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 15<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 17<br><br> -Subparagraph c<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Investing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6516133<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PaymentsToAcquirePropertyPlantAndEquipment</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromDivestitureOfBusinessesNetOfCashDivested">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This element represents the cash inflow during the period from the sale of a component of the entity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 15, 16<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Investing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6516133<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 12<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3179-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ProceedsFromDivestitureOfBusinessesNetOfCashDivested</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromPaymentsForOtherFinancingActivities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net cash inflow or outflow from other financing activities. This element is used when there is not a more specific and appropriate element in the taxonomy.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 8<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3095-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 18, 19, 20<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Financing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6513228<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 9<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3098-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ProceedsFromPaymentsForOtherFinancingActivities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromRepaymentsOfCommercialPaper">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net cash inflow or cash outflow from issuing (borrowing) and repaying commercial paper.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Name Accounting Standards Codification<br><br> -Publisher FASB<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 9<br><br> -Subparagraph c<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3098-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ProceedsFromRepaymentsOfCommercialPaper</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromStockOptionsExercised">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash inflow associated with the amount received from holders exercising their stock options. This item inherently excludes any excess tax benefit, which the entity may have realized and reported separately.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Financing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6513228<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (j)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 123R<br><br> -Paragraph A240<br><br> -Subparagraph i<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 14<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3255-108585<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 18<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 19<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ProceedsFromStockOptionsExercised</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_RepaymentsOfCommercialPaper">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash outflow due to repaying amounts borrowed by issuing commercial paper.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 15<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3291-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 18<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 20<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Financing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6513228<br><br><br><br></p>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Value of real estate transferred in noncash transactions during the reporting period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367179&amp;loc=d3e4332-108586<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 32<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367179&amp;loc=d3e4313-108586<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367179&amp;loc=d3e4304-108586<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                    <td><strong> Name:</strong></td>
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                    <td><strong> Data Type:</strong></td>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EGKAC">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Investments In Available-For-Sale Securities (Narrative) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
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        <th class="th" colspan="2">3 Months Ended</th>
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          <div>Jan. 31, 2012</div>
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          <div>Jan. 31, 2011</div>
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          <div>Jan. 31, 2012</div>
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          <div>Jan. 31, 2011</div>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="text">&#xA0;<span></span></td>
        <td class="nump">$ 0<span></span></td>
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        <td class="nump">$ 0<span></span></td>
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        <td class="nump">$ 0<span></span></td>
        <td class="nump">$ 1,500<span></span></td>
        <td class="nump">$ 0<span></span></td>
        <td class="nump">$ 1,900<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This item represents the excess of amortized cost basis over fair value of securities in a loss position and which are categorized neither as held-to-maturity nor trading securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -Subparagraph (a)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6872113&amp;loc=d3e27290-111563<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Emerging Issues Task Force (EITF)<br><br> -Number 03-1<br><br> -Paragraph 21<br><br> -Subparagraph a<br><br> -Clause 2<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name FASB Staff Position (FSP)<br><br> -Number FAS115-1/124-1<br><br> -Paragraph 17<br><br> -Subparagraph a<br><br> -Clause 2<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AvailableforsaleSecuritiesContinuousUnrealizedLossPositionAggregateLosses1</nobr></td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount by which the fair value of an investment in debt and equity securities categorized as Available-for-sale is less than the amortized cost basis or carrying amount of that investment at the balance sheet date and the decline in fair value is deemed to be other than temporary, before considering whether or not such amount is recognized in earnings or other comprehensive income.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name FASB Staff Position (FSP)<br><br> -Number FAS115-1/124-1<br><br> -Paragraph 15C<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name FASB Staff Position (FSP)<br><br> -Number FAS115-1/124-1<br><br> -Paragraph 15D<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name FASB Staff Position (FSP)<br><br> -Number FAS115-1/124-1<br><br> -Paragraph 22<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherThanTemporaryImpairmentLossesInvestmentsAvailableforsaleSecurities</nobr></td>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Discontinued Operations (Tables)<br></strong></div>
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        <th class="th" colspan="1">9 Months Ended</th>
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      <tr>
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          <div>Jan. 31, 2012</div>
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        <td class="text">&#xA0;<span></span></td>
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<tr><td style="width: 50%;"> </td>
<td style="width: 50pt;"> </td>
<td style="width: 52pt;"> </td>
<td style="width: 55pt;"> </td>
<td style="width: 52pt;"> </td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1"><b> </b>(in 000s)</font></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Three&nbsp;months&nbsp;ended&nbsp;January&nbsp;31,</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Nine&nbsp;months&nbsp;ended&nbsp;January&nbsp;31,</font></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">2012</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">2011</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">2012</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">2011</font></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Revenues </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 50,508 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 171,071 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 416,436 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 549,180 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Pretax income (loss) from operations:</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">RSM and related businesses </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 1,117 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 8,327 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 18,831 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 15,228 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Mortgage </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(27,385 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(10,551 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(54,019 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(17,125 )</font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(26,268 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(2,224 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(35,188 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(1,897 )</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Income taxes (benefit) </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(6,462 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(537 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(10,268 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">268 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Net income (loss) from operations </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(19,806 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(1,687 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(24,920 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(2,165 )</font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Pretax loss on sales of businesses </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(236 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(109,485 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Income tax benefit </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(20,260 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(59,969 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Net gain (loss) on sales of businesses </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">20,024 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(49,519 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Net income (loss) from discontinued operations </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 218 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (1,687 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (74,436 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (2,165 )</font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td></tr></table> </div><span></span></td>
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      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Goodwill And Intangible Assets (Schedule Of Goodwill) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="1">3 Months Ended</th>
        <th class="th" colspan="2">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Jan. 31, 2011</div>
        </th>
        <th class="th">
          <div>Jan. 31, 2012</div>
        </th>
        <th class="th">
          <div>Jan. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_GoodwillAndIntangibleAssetsLineItems', window );"><strong>Goodwill and Intangible Assets [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Goodwill', window );">Goodwill, beginning balance</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">$ 434,151<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GoodwillImpairmentLoss', window );">Impairments</a></td>
        <td class="num">(22,700)<span></span></td>
        <td class="num">(4,257)<span></span></td>
        <td class="num">(22,700)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Goodwill', window );">Goodwill, ending balance</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">433,595<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Tax Services [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_GoodwillAndIntangibleAssetsLineItems', window );"><strong>Goodwill and Intangible Assets [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GoodwillGross', window );">Goodwill before impairment losses, beginning balance</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">459,039<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GoodwillImpairedAccumulatedImpairmentLoss', window );">Accumulated impairment losses, beginning balance</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(24,888)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Goodwill', window );">Goodwill, beginning balance</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">434,151<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GoodwillAcquiredDuringPeriod', window );">Acquisitions</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">9,506<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_GoodwillDisposalsAndOther', window );">Disposals and foreign currency changes</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(5,805)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GoodwillImpairmentLoss', window );">Impairments</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(4,257)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GoodwillGross', window );">Goodwill before impairment losses, ending balance</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">462,740<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GoodwillImpairedAccumulatedImpairmentLoss', window );">Accumulated impairment losses, ending balance</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(29,145)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Goodwill', window );">Goodwill, ending balance</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">$ 433,595<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_hrb_GoodwillAndIntangibleAssetsLineItems">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_GoodwillAndIntangibleAssetsLineItems</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>hrb_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_hrb_GoodwillDisposalsAndOther">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Goodwill disposals and other</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_GoodwillDisposalsAndOther</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>hrb_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_Goodwill">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Carrying amount as of the balance sheet date, which is the cumulative amount paid and (if applicable) the fair value of any noncontrolling interest in the acquiree, adjusted for any amortization recognized prior to the adoption of any changes in generally accepted accounting principles (as applicable) and for any impairment charges, in excess of the fair value of net assets acquired in one or more business combination transactions.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 142<br><br> -Paragraph 45<br><br> -Subparagraph e<br><br> -Clause 1<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 142<br><br> -Paragraph 43<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 141R<br><br> -Paragraph 68<br><br> -Subparagraph l<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 142<br><br> -Paragraph 45<br><br> -Subparagraph e<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 141R<br><br> -Paragraph 34<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6905597&amp;loc=d3e13816-109267<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 20<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6388280&amp;loc=d3e13770-109266<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 141R<br><br> -Paragraph 72<br><br> -Subparagraph d<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_Goodwill</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GoodwillAcquiredDuringPeriod">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate amount of goodwill acquired in the period and allocated to the reportable segment. The value is stated at fair value based on the purchase price allocation.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6905597&amp;loc=d3e13816-109267<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 141R<br><br> -Paragraph 72<br><br> -Subparagraph d<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 142<br><br> -Paragraph 45<br><br> -Subparagraph e<br><br> -Clause 2<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_GoodwillAcquiredDuringPeriod</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GoodwillGross">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Gross amount, as of the balance sheet date, of the cumulative amount paid and (if applicable) the fair value of any noncontrolling interest in the acquiree, adjusted for any amortization recognized prior to the adoption of any changes in generally accepted accounting principles (as applicable), in excess of the fair value of net assets acquired in one or more business combination transactions.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a,h)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6905597&amp;loc=d3e13816-109267<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_GoodwillGross</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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              </div>
            </div>
          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GoodwillImpairedAccumulatedImpairmentLoss">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The accumulated impairment losses related to goodwill as of the balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a,h)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6905597&amp;loc=d3e13816-109267<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_GoodwillImpairedAccumulatedImpairmentLoss</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GoodwillImpairmentLoss">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Loss recognized during the period that results from the write-down of goodwill after comparing the implied fair value of reporting unit goodwill with the carrying amount of that goodwill. Goodwill is assessed at least annually for impairment.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
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          <div style="width: 200px;"><strong>Accounting Pronouncements<br></strong></div>
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          <div>Jan. 31, 2012</div>
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        <td class="text"><div> <p style="margin-top: 18px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2"><b>16. Accounting Pronouncements</b> </font></p>

<p style="margin-top: 6px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">In September 2011, the Financial Accounting Standards Board (FASB) issued Accounting Standards Update 2011-08, "Intangibles &#8211; Goodwill and Other (Topic 350): Testing Goodwill for Impairment." Under the amendments in this guidance, an entity may consider qualitative factors before applying Step 1 of the goodwill impairment assessment, but may no longer be permitted to carry forward estimates of a reporting unit's fair value from a prior year when specific criteria are met. These amendments are effective for goodwill impairment tests performed in fiscal years beginning after December 15, 2011. Early adoption is permitted. We are currently evaluating the effect of this guidance on our condensed consolidated financial statements.</font></p>

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<p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">In June 2011, the FASB issued Accounting Standards Update 2011-05, "Comprehensive Income (Topic 220): Statement of Comprehensive Income." Under the amendments in this guidance, an entity has the option to present the total of comprehensive income, the components of net income, and the components of other comprehensive income either in a single continuous statement of comprehensive income or in two separate but consecutive statements. This guidance eliminates the option to present the components of other comprehensive income as part of the statement of changes in stockholders' equity. The amendments in this guidance do not change the items that must be reported in other comprehensive income or when an item of other comprehensive income must be reclassified to net income. These amendments are effective for fiscal years beginning after December 15, 2011. Early adoption is permitted. We elected to adopt this guidance as of May 1, 2011, and it did not have an effect on our presentation of comprehensive income in our condensed consolidated financial statements. </font></p>

<p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">In May 2011, the FASB issued Accounting Standards Update 2011-04, "Fair Value Measurement (Topic 820): Amendments to Achieve Common Fair Value Measurement and Disclosure Requirements in U.S. GAAP and IFRSs." Under the amendments in this guidance, an entity will be required to provide additional disclosures about the valuation processes and sensitivities of Level 3 assets and the categorization by level of the fair value hierarchy for items that are not measured at fair value in the statement of financial position, but for which the fair value is required to be disclosed These amendments are effective for interim and annual periods beginning after December 15, 2011. Early adoption is not permitted. We do not expect this guidance to have a material effect on our condensed consolidated financial statements. </font></p>

<p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" 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="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" 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="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" 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="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" 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></div> </div><span></span></td>
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<p class="la2">&nbsp;</p></td>
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<p class="la2">&nbsp;</p></td>
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<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">2011</font> </td>
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<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Tax Services </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 655,701 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 672,810 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 868,144 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 875,376 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Corporate </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">7,579 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">7,486 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">24,953 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">24,345 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 663,280 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 680,296 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 893,097 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 899,721 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Pretax income (loss):</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Tax Services </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 31,716 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 4,114 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (311,733 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (324,865 )</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Corporate </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(32,742 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(30,082 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(93,823 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(91,770 )</font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Loss from continuing operations before income tax (benefit) </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (1,026 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (25,968 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (405,556 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (416,635 )</font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td></tr></table> </div><span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of all significant reconciling items in the reconciliation of total revenues from reportable segments to the entity's consolidated revenues.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 131<br><br> -Paragraph 32<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 31<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8924-108599<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 30<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8906-108599<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0E1AAC">
      <tr>
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          <div style="width: 200px;"><strong>Summary Of Significant Accounting Policies (Policy)<br></strong></div>
        </th>
        <th class="th" colspan="1">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Jan. 31, 2012</div>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_SummaryOfSignificantAccountingPoliciesAbstract', window );"><strong>Summary Of Significant Accounting Policies [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_BasisOfPresentationAndSignificantAccountingPoliciesTextBlock', window );">Basis Of Presentation</a></td>
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<div>

<p style="margin-top: 6px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">Basis of Presentation </font></p>

<p style="margin-top: 6px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">The condensed consolidated balance sheet as of January 31, 2012, the condensed consolidated statements of operations and comprehensive income (loss) for the three and nine months ended January 31, 2012 and 2011, and the condensed consolidated statements of cash flows for the nine months ended January 31, 2012 and 2011 have been prepared by the Company, without audit. In the opinion of management, all adjustments, which include only normal recurring adjustments, necessary to present fairly the financial position, results of operations and cash flows at January 31, 2012 and for all periods presented have been made. See below for discussion of our presentation of discontinued operations. </font></p>

<p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" 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="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" 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> </div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_ManagementEstimatesDisclosureTextBlock', window );">Management Estimates</a></td>
        <td class="text"><div> <div class="MetaData">

<p style="margin-top: 18px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">Management <font style="font-family: Times New Roman;" class="_mt" size="2">Estimates </font></font></p>

<div>

<p style="margin-top: 6px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" 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 claims and litigation, fair value of reporting units, valuation allowances based on future taxable income, reserves for uncertain tax positions, credit losses on receivable balances and related matters. Estimates have been prepared on the basis of the most current and best information available as of each balance sheet date. As such, actual results could differ materially from those estimates.</font></p></div></div> </div><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_SeasonalityOfBusinessDisclosureTextBlock', window );">Seasonality Of Business</a></td>
        <td class="text"><div> <div class="MetaData">

<p style="margin-top: 18px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">Seasonality of Business </font></p>

<p style="margin-top: 6px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" 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><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DiscontinuedOperationsPolicyTextBlock', window );">Discontinued Operations - Recent Events</a></td>
        <td class="text"><div> <div class="MetaData">

<div>

<p style="margin-top: 18px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">Discontinued <font style="font-family: Times New Roman;" class="_mt" size="2">Operations &#8211; Recent Events </font></font></p>

<div>

<p style="margin-top: 6px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">In November 2011, we sold substantially all assets of RSM McGladrey, Inc. (RSM) to McGladrey &amp; Pullen LLP (M&amp;P) for net cash proceeds of $<font class="_mt">495.6</font> million. We also received a short-term note in the amount of $<font class="_mt">32.3</font> million and a long-term note in the amount of $<font class="_mt">54.0</font> million. M&amp;P assumed substantially all liabilities of RSM, including contingent payments and lease obligations. We have indemnified M&amp;P for certain litigation matters as discussed in note 13. The net after tax loss on the sale of RSM totaled $<font class="_mt">37.1</font> million, which includes an $<font class="_mt">85.4</font> million impairment of goodwill recorded in our first quarter and tax benefits of $<font class="_mt">20.5</font> million recorded in the third quarter associated with capital loss carry-forwards utilized. </font></p>

<p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">In the first quarter, we also announced we were evaluating strategic alternatives for RSM EquiCo, Inc. (EquiCo), and effective January 31, 2012, we sold the assets of EquiCo's subsidiary, McGladrey Capital Markets LLC (MCM), for cash proceeds of $<font class="_mt">1.0</font> million. We have indemnified the buyer for certain litigation matters related to this business. The net after tax loss on the sale of MCM totaled $<font class="_mt">12.4</font> million and included a $<font class="_mt">14.3</font> million impairment of goodwill recorded in our first quarter. The remaining EquiCo businesses will be wound down. </font></p>

<p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">As of January 31, 2012, the results of operations of these businesses are presented as discontinued operations in the condensed consolidated financial statements. All periods presented in our condensed consolidated balance sheets and statements of operations have been reclassified to reflect our discontinued operations. See additional information in note 13.</font></p></div></div></div> </div><span></span></td>
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                <p>Disclosure of accounting policy for any discontinued operations. The results of operations of a component of an entity that either has been disposed of or is classified as held for sale is reported in discontinued operations if both: (a) the operations and cash flows of the component have been (or will be) eliminated from the ongoing operations of the entity as a result of the disposal transaction and (b) the entity will not have any significant continuing involvement in the operations of the component after the disposal transaction. If the entity elects to allocate interest expense to a discontinued operation, it may disclose its accounting policy for this election and describe its method of allocation.</p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EO6AE">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Borrowings (Schedule Of Borrowings) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="1">9 Months Ended</th>
        <th class="th" colspan="1"></th>
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      <tr>
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          <div>Jan. 31, 2012</div>
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        <th class="th">
          <div>Apr. 30, 2011</div>
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        <th class="th">
          <div>Jan. 31, 2011</div>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentLineItems', window );"><strong>Debt Instrument [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommercialPaperNoncurrent', window );">Commercial paper</a></td>
        <td class="nump">$ 230,947<span></span></td>
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        <td class="nump">41,002<span></span></td>
        <td class="nump">41,119<span></span></td>
        <td class="nump">40,913<span></span></td>
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        <td class="nump">1,040,237<span></span></td>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="nump">599,871<span></span></td>
        <td class="nump">599,788<span></span></td>
        <td class="nump">599,758<span></span></td>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="text">&#xA0;<span></span></td>
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        <td class="nump">$ 399,364<span></span></td>
        <td class="nump">$ 399,177<span></span></td>
        <td class="nump">$ 399,117<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentInterestRateDuringPeriod', window );">Senior notes, interest rate</a></td>
        <td class="nump">5.125%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentMaturityDate', window );">Senior notes, maturity date</a></td>
        <td class="text">Oct.
        01,
         2014<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommercialPaperNoncurrent">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Carrying value as of the balance sheet date of long-term unsecured obligations issued by corporations and other borrowers to investors (with maturities initially due after one year or beyond the operating cycle if longer), excluding current portion.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 22<br><br> -Article 5<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.22)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CommercialPaperNoncurrent</nobr></td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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              </div>
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          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtInstrumentInterestRateDuringPeriod">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The average effective interest rate during the reporting period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 22<br><br> -Article 5<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 835<br><br> -SubTopic 30<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6451184&amp;loc=d3e28551-108399<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.22(a)(1))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DebtInstrumentInterestRateDuringPeriod</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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            </div>
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      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtInstrumentLineItems">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DebtInstrumentLineItems</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DebtInstrumentMaturityDate">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Date when the debt instrument is scheduled to be fully repaid, which may be presented in a variety of ways (year, month and year, day, month and year, quarter, etc.).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 129<br><br> -Paragraph 2, 4<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 22<br><br> -Article 5<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.22(a)(2))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DebtInstrumentMaturityDate</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:dateItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LongTermDebt">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Including current and noncurrent portions, aggregate carrying amount of long-term borrowings as of the balance sheet date. May include notes payable, bonds payable, commercial loans, mortgage loans, convertible debt, subordinated debt and other types of debt, which had initial maturities beyond one year or beyond the normal operating cycle, if longer, and after deducting unamortized discount or premiums, if any.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.22)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.16)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 7<br><br> -Section 03<br><br> -Paragraph 16<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-03.16)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879938&amp;loc=d3e572229-122910<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 16<br><br> -Article 9<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 20, 22<br><br> -Article 5<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LongTermDebt</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LongTermDebtCurrent">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Total of the portions of the carrying amounts as of the balance sheet date of long-term debt, which may include notes payable, bonds payable, debentures, mortgage loans, and commercial paper, which are scheduled to be repaid within one year or the normal operating cycle, if longer, and after deducting unamortized discount or premiums, if any.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 20<br><br> -Article 5<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 19<br><br> -Article 5<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.19,20)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LongTermDebtCurrent</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LongTermDebtNoncurrent">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Sum of the carrying values as of the balance sheet date of all long-term debt, which is debt initially having maturities due after one year from the balance sheet date or beyond the operating cycle, if longer, but excluding the portions thereof scheduled to be repaid within one year (current maturities) or the normal operating cycle, if longer, and after deducting unamortized discount or premiums, if any.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 22<br><br> -Article 5<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.22)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LongTermDebtNoncurrent</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherLongTermDebtNoncurrent">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Carrying value as of the balance sheet date of debt not otherwise defined (with maturities initially due after one year or beyond the operating cycle if longer), excluding current portion.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 22<br><br> -Article 5<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.22)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherLongTermDebtNoncurrent</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_SeniorNotes">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Including the current and noncurrent portions, carrying value as of the balance sheet date of Notes with the highest claim on the assets of the issuer in case of bankruptcy or liquidation (with maturities initially due after one year or beyond the operating cycle if longer). Senior note holders are paid off in full before any payments are made to junior note holders.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 16<br><br> -Article 9<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.16)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-03.16(a))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879938&amp;loc=d3e572229-122910<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_SeniorNotes</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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          <div style="width: 200px;"><strong>Summary Of Significant Accounting Policies<br></strong></div>
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        <th class="th" colspan="1">9 Months Ended</th>
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          <div>Jan. 31, 2012</div>
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<div class="MetaData">

<p style="margin-top: 12px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2"><b>1. Summary of Significant Accounting Policies</b> </font></p>

<div class="MetaData">

<div>

<p style="margin-top: 6px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">Basis of Presentation </font></p>

<p style="margin-top: 6px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">The condensed consolidated balance sheet as of January 31, 2012, the condensed consolidated statements of operations and comprehensive income (loss) for the three and nine months ended January 31, 2012 and 2011, and the condensed consolidated statements of cash flows for the nine months ended January 31, 2012 and 2011 have been prepared by the Company, without audit. In the opinion of management, all adjustments, which include only normal recurring adjustments, necessary to present fairly the financial position, results of operations and cash flows at January 31, 2012 and for all periods presented have been made. See below for discussion of our presentation of discontinued operations. </font></p>

<p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" 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="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" 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>

<div class="MetaData">

<p style="margin-top: 18px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">Management <font style="font-family: Times New Roman;" class="_mt" size="2">Estimates </font></font></p>

<div>

<p style="margin-top: 6px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" 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 claims and litigation, fair value of reporting units, valuation allowances based on future taxable income, reserves for uncertain tax positions, credit losses on receivable balances and related matters. Estimates have been prepared on the basis of the most current and best information available as of each balance sheet date. As such, actual results could differ materially from those estimates.</font></p></div></div>

<div>

<div class="MetaData">

<p style="margin-top: 18px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">Seasonality of Business </font></p>

<p style="margin-top: 6px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" 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 class="MetaData">

<div>

<p style="margin-top: 18px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">Discontinued <font style="font-family: Times New Roman;" class="_mt" size="2">Operations &#8211; Recent Events </font></font></p>

<div>

<p style="margin-top: 6px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">In November 2011, we sold substantially all assets of RSM McGladrey, Inc. (RSM) to McGladrey &amp; Pullen LLP (M&amp;P) for net cash proceeds of $<font class="_mt">495.6</font> million. We also received a short-term note in the amount of $<font class="_mt">32.3</font> million and a long-term note in the amount of $<font class="_mt">54.0</font> million. M&amp;P assumed substantially all liabilities of RSM, including contingent payments and lease obligations. We have indemnified M&amp;P for certain litigation matters as discussed in note 13. The net after tax loss on the sale of RSM totaled $<font class="_mt">37.1</font> million, which includes an $<font class="_mt">85.4</font> million impairment of goodwill recorded in our first quarter and tax benefits of $<font class="_mt">20.5</font> million recorded in the third quarter associated with capital loss carry-forwards utilized. </font></p>

<p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">In the first quarter, we also announced we were evaluating strategic alternatives for RSM EquiCo, Inc. (EquiCo), and effective January 31, 2012, we sold the assets of EquiCo's subsidiary, McGladrey Capital Markets LLC (MCM), for cash proceeds of $<font class="_mt">1.0</font> million. We have indemnified the buyer for certain litigation matters related to this business. The net after tax loss on the sale of MCM totaled $<font class="_mt">12.4</font> million and included a $<font class="_mt">14.3</font> million impairment of goodwill recorded in our first quarter. The remaining EquiCo businesses will be wound down. </font></p>

<p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">As of January 31, 2012, the results of operations of these businesses are presented as discontinued operations in the condensed consolidated financial statements. All periods presented in our condensed consolidated balance sheets and statements of operations have been reclassified to reflect our discontinued operations. See additional information in note 13.</font></p></div></div></div></div></div></div></div> </div><span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for all significant accounting policies of the reporting entity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18743-107790<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18854-107790<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Principles Board Opinion (APB)<br><br> -Number 22<br><br> -Paragraph 8<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18861-107790<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18780-107790<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6367646&amp;loc=d3e18726-107790<br><br><br><br></p>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockSharesAuthorized', window );">Common stock, shares authorized</a></td>
        <td class="nump">800,000,000<span></span></td>
        <td class="nump">800,000,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockSharesIssued', window );">Common stock, shares issued</a></td>
        <td class="nump">399,397,099<span></span></td>
        <td class="nump">412,440,599<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cumulative amount of depreciation, depletion and amortization (related to property, plant and equipment, but not including land) that has been recognized in the income statement.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 360<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (c)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6391035&amp;loc=d3e2868-110229<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.14)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Accounting Principles Board Opinion (APB)<br><br><br><br> -Number 12<br><br><br><br> -Paragraph 5<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 14<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher AICPA<br><br><br><br> -Name Accounting Principles Board Opinion (APB)<br><br><br><br> -Number 12<br><br><br><br> -Paragraph 5<br><br><br><br> -Subparagraph c<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AccumulatedDepreciationDepletionAndAmortizationPropertyPlantAndEquipment</nobr></td>
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                  <tr>
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                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>A valuation allowance for trade and other receivables due to an Entity within one year (or the normal operating cycle, whichever is longer) that are expected to be uncollectible.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 4<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 310<br><br><br><br> -SubTopic 10<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 4<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6965416&amp;loc=d3e5074-111524<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.4)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
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                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AllowanceForDoubtfulAccountsReceivableCurrent</nobr></td>
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                    <td>instant</td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockParOrStatedValuePerShare">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Face amount or stated value of common stock per share; generally not indicative of the fair market value per share.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 30<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 129<br><br><br><br> -Paragraph 4<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.29)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
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                    <td><strong> Name:</strong></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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          </td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockSharesAuthorized">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The maximum number of common shares permitted to be issued by an entity's charter and bylaws.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 30<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.29)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CommonStockSharesAuthorized</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockSharesIssued">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Total number of common shares of an entity that have been sold or granted to shareholders (includes common shares that were issued, repurchased and remain in the treasury). These shares represent capital invested by the firm's shareholders and owners, and may be all or only a portion of the number of shares authorized. Shares issued include shares outstanding and shares held in the treasury.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Section 02<br><br><br><br> -Paragraph 30<br><br><br><br> -Article 5<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 210<br><br><br><br> -SubTopic 10<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.5-02.29)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br><br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CommonStockSharesIssued</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td>na</td>
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                    <td>instant</td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableAllowance">
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The allowance for loan and lease losses represents the reserve to cover probable credit losses related to specifically identified loans and leases, as well as probable credit losses inherent in the remainder of the loan portfolio as of the balance sheet date. For banks, include currently required allocated transfer risk reserves. Include carryover of or adjustments to the allowance for loan losses in connection with business combinations determined to be appropriate.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher OTS<br><br><br><br> -Name Federal Regulation (FR)<br><br><br><br> -Number Title 12<br><br><br><br> -Chapter V<br><br><br><br> -Section 563c.102<br><br><br><br> -Paragraph 8<br><br><br><br> -Subparagraph a(ii)<br><br><br><br> -Subsection I<br><br><br><br> -LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy.  It will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Staff Accounting Bulletin (SAB)<br><br><br><br> -Number Topic 6<br><br><br><br> -Section L<br><br><br><br> -Subsection 1<br><br><br><br><br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 114<br><br><br><br> -Paragraph 20<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 942<br><br><br><br> -SubTopic 210<br><br><br><br> -Section S99<br><br><br><br> -Paragraph 1<br><br><br><br> -Subparagraph (SX 210.9-03.7(d))<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br><br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher SEC<br><br><br><br> -Name Regulation S-X (SX)<br><br><br><br> -Number 210<br><br><br><br> -Article 9<br><br><br><br> -Section 03<br><br><br><br> -Paragraph 7<br><br><br><br> -Subparagraph d<br><br><br><br><br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br><br><br> -Number 5<br><br><br><br> -Paragraph 8, 9<br><br><br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br><br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br><br><br> -Publisher FASB<br><br><br><br> -Name Accounting Standards Codification<br><br><br><br> -Topic 310<br><br><br><br> -SubTopic 30<br><br><br><br> -Section 50<br><br><br><br> -Paragraph 2<br><br><br><br> -Subparagraph (b)(1)(ii)<br><br><br><br> -URI http://asc.fasb.org/extlink&amp;oid=6379141&amp;loc=d3e15032-111544<br><br><br><br><br><br><br><br></p>
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                <table border="0" cellpadding="0" cellspacing="0">
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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          <div style="width: 200px;"><strong>Regulatory Requirements<br></strong></div>
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        <th class="th" colspan="1">9 Months Ended</th>
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      <tr>
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          <div>Jan. 31, 2012</div>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_RegulatoryRequirementsAbstract', window );"><strong>Regulatory Requirements [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RegulatoryCapitalRequirementsUnderBankingRegulationsTextBlock', window );">Regulatory Requirements</a></td>
        <td class="text"><div> <div class="MetaData">

<p style="margin-top: 18px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2"><b>11. Regulatory Requirements </b></font></p>

<p style="margin-top: 6px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">HRB Bank historically filed its regulatory Thrift Financial Report (TFR) on a calendar quarter basis with the Office of Thrift Supervision (OTS). In July 2011, as a result of the Dodd-Frank Wall Street Reform and Consumer Protection Act (the Reform Act), the responsibility and authority of the OTS moved to the Office of the Comptroller of the Currency (OCC). HRB Bank filed its TFRs with the OCC through December 31, 2011. Beginning March 31, 2012, HRB Bank will file Reports of Condition and Income (Call Report) with the OCC quarterly. Additionally, H&amp;R Block, Inc. as the bank holding company is now regulated by the Federal Reserve Bank and, as such, is subject to certain reporting requirements. </font></p>

<p style="margin-top: 12px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">The following table sets forth HRB Bank's regulatory capital requirements, as calculated in its TFR: </font></p>

<div class="MetaData">

<p style="margin-top: 0px; margin-bottom: 0px; font-size: 12px;">&nbsp;</p>

<div>

<table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center">
<tr><td style="width: 48%;"> </td>
<td style="width: 47pt;"> </td>
<td style="width: 27pt;"> </td>
<td style="width: 47pt;"> </td>
<td style="width: 30pt;"> </td>
<td style="width: 42pt;"> </td>
<td style="width: 62pt;"> </td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">(dollars&nbsp;in&nbsp;000s)</font> </td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">To Be Well Capitalized</font></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">For&nbsp;Capital&nbsp;Adequacy</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Under Prompt Corrective</font></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Actual</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Purposes</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Action Provisions</font> </td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Amount</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Ratio</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Amount</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Ratio</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Amount</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Ratio</font> </td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">As of December&nbsp;31, 2011:</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Total risk-based capital ratio </font><font style="font-family: Times New Roman;" class="_mt" size="1"><sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;">(1)</sup></font><font style="font-family: Times New Roman;" class="_mt" size="2"> </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 411,163 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">48.8 %</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 67,407 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">8.0 %</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 84,258 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">10.0 %</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Tier 1 risk-based capital ratio </font><font style="font-family: Times New Roman;" class="_mt" size="1"><sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;">(2)</sup></font><font style="font-family: Times New Roman;" class="_mt" size="2"> </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 400,438 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">47.5 %</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">N/A </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">N/A </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 50,555 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">6.0 %</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Tier 1 capital ratio (leverage) </font><font style="font-family: Times New Roman;" class="_mt" size="1"><sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;">(3)</sup></font><font style="font-family: Times New Roman;" class="_mt" size="2"> </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 400,438 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">25.6 %</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 187,642 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">12.0 %</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 78,184 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">5.0 %</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Tangible equity ratio </font><font style="font-family: Times New Roman;" class="_mt" size="1"><sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;">(4)</sup></font><font style="font-family: Times New Roman;" class="_mt" size="2"> </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 400,438 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">25.6 %</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 23,455 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1.5 %</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">N/A </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">N/A </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">As of March&nbsp;31, 2011:</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Total risk-based capital ratio </font><font style="font-family: Times New Roman;" class="_mt" size="1"><sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;">(1)</sup></font><font style="font-family: Times New Roman;" class="_mt" size="2"> </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 405,000 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">92.5 %</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 35,019 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">8.0 %</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 43,773 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">10.0 %</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Tier 1 risk-based capital ratio </font><font style="font-family: Times New Roman;" class="_mt" size="1"><sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;">(2)</sup></font><font style="font-family: Times New Roman;" class="_mt" size="2"> </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 399,187 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">91.2 %</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">N/A </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">N/A </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 26,264 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">6.0 %</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Tier 1 capital ratio (leverage) </font><font style="font-family: Times New Roman;" class="_mt" size="1"><sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;">(3) </sup></font><font style="font-family: Times New Roman;" class="_mt" size="2"> </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 399,187 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">22.8 %</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 209,758 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">12.0 %</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 87,399 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">5.0 %</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Tangible equity ratio </font><font style="font-family: Times New Roman;" class="_mt" size="1"><sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;">(4)</sup></font><font style="font-family: Times New Roman;" class="_mt" size="2"> </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 399,187 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">22.8 %</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 26,220 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1.5 %</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">N/A </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">N/A </font></p></td></tr></table>

<p style="padding-bottom: 0px; margin-top: 0px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2"> </font><font style="font-family: Times New Roman;" class="_mt" size="1"><sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;"> </sup></font>&nbsp;</p>

<p style="padding-bottom: 0px; margin-top: 0px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="1"><sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;">(1)</sup>&nbsp;</font><font style="font-family: Times New Roman;" class="_mt" size="2"><font class="_mt"><font style="font-family: Times New Roman;" class="_mt" size="2">Total risk-based capital divided by risk-weighted assets.</font></font> </font></p>

<p style="padding-bottom: 0px; margin-top: 0px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2"> </font><font style="font-family: Times New Roman;" class="_mt" size="1"><sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;">(2)</sup>&nbsp;</font><font style="font-family: Times New Roman;" class="_mt" size="2"><font class="_mt"><font style="font-family: Times New Roman;" class="_mt" size="2">Tier 1 (core) capital less deduction for low-level recourse and residual interest divided by risk-weighted assets.</font></font> </font></p>

<p style="padding-bottom: 0px; margin-top: 0px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2"> </font><font style="font-family: Times New Roman;" class="_mt" size="1"><sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;">(3)</sup> </font><font class="_mt"><font class="_mt"><font style="font-family: Times New Roman;" class="_mt" size="2">Tier 1 (core) capital divided by adjusted total assets.</font></font></font></p>

<p style="padding-bottom: 0px; margin-top: 0px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="1"><sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;">(4)</sup> </font><font class="_mt"><font style="font-family: Times New Roman;" class="_mt" size="2">Tangible capital divided by tangible assets. </font></font></p></div></div>

<p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">Block Financial LLC (BFC) typically makes capital contributions to HRB Bank to help it meet its capital requirements. BFC made capital contributions to HRB Bank of $<font class="_mt">200.0</font> million during the nine months ended January 31, 2012, with an additional $<font class="_mt">200.0</font> million contributed in February 2012. </font></p>

<p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">As of January 31, 2012, HRB Bank's leverage ratio was <font class="_mt">27.1</font>%.</font></p></div> </div><span></span></td>
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                <p>The entire disclosure for banks, savings institutions, and credit unions, for regulatory capital requirements imposed by the Federal Reserve System (FRB), the Federal Deposit Insurance Corporation (FDIC), the Office of Thrift Supervision (OTS) or for any state imposed capital requirements, as applicable.  The disclosure may include (1) a description of regulatory capital requirements (a) for capital adequacy purposes and (b) established by the prompt corrective action provisions of Section 38 of the Federal Depository Insurance Act; (2) the actual or possible material effects of noncompliance with such requirements; (3) whether the entity is in compliance with the regulatory capital requirements including (a) required and actual ratios and amounts of Tier 1 leverage, Tier 1 risk-based, and total risk-based capital, tangible capital (for savings institutions), and Tier 3 capital for market risk (for certain banks and bank holding companies), (b) factors that may significantly affect capital adequacy; (4) the prompt corrective action category in which the entity was classified as of its most recent notification; (5) whether management believes any conditions or events since notification have changed the entity's category. Also may include additional information that might be disclosed in situations where substantial doubt about the entity's ability to continue as a going concern for a reasonable period of time.</p>
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                <p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p>
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                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation 12B<br><br> -Number 240<br><br> -Section 12b<br><br> -Subsection 1<br><br><br><br></p>
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                <p>Indicate number of shares outstanding of each of registrant's classes of common stock, as of latest practicable date. Where multiple classes exist define each class by adding class of stock items such as Common Class A [Member], Common Class B [Member] onto the Instrument [Domain] of the Entity Listings, Instrument</p>
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                <p>Indicate whether the registrant is one of the following: (1) Large Accelerated Filer, (2) Accelerated Filer, (3) Non-accelerated Filer, or (4) Smaller Reporting Company. Definitions of these categories are stated in Rule 12b-2 of the Exchange Act. This information should be based on the registrant's current or most recent filing containing the related disclosure.</p>
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                <p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p>
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                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation 12B<br><br> -Number 240<br><br> -Section 12b<br><br> -Subsection 1<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Commitments And Contingencies<br></strong></div>
        </th>
        <th class="th" colspan="1">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Jan. 31, 2012</div>
        </th>
      </tr>
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        <td class="text">&#xA0;<span></span></td>
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        <td class="text"><div> <p style="margin-top: 18px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2"><b>12. Commitments and Contingencies </b></font></p>

<p style="margin-top: 6px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" 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>

<p style="margin-top: 0px; margin-bottom: 0px; font-size: 12px;">&nbsp;</p>

<table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="76%" align="center">
<tr><td style="width: 55%;"> </td>
<td style="width: 52pt;"> </td>
<td style="width: 52pt;"> </td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"><font style="font-family: Times New Roman;" class="_mt" size="1">(in 000s)</font> </td></tr>
<tr><td valign="bottom" width="78%" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 0px;"><font style="font-family: Times New Roman;" class="_mt" size="1">Nine months ended January&nbsp;31,</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">2012</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">2011</font></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Balance, beginning of period </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 140,603 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 141,542 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Amounts deferred for new guarantees issued </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">19,471 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">19,376 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Revenue recognized on previous deferrals </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(57,254 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(59,882 )</font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Balance, end of period </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 102,820 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 101,036 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td></tr></table>

<p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">In addition to amounts accrued for our POM guarantee, we had accrued $<font class="_mt">12.5</font> million and $<font class="_mt">14.7</font> million at January 31, 2012 and April 30, 2011, respectively, related to our standard guarantee which is included with our standard tax preparation services. </font></p>

<p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">The following table summarizes certain of our other contractual obligations and commitments: </font></p>

<p style="margin-top: 0px; margin-bottom: 0px; font-size: 12px;">&nbsp;</p>

<table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="76%" align="center">
<tr><td style="width: 50%;"> </td>
<td style="width: 69pt;"> </td>
<td style="width: 61pt;"> </td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"><font style="font-family: Times New Roman;" class="_mt" size="1">(in 000s)</font></td></tr>
<tr><td valign="bottom" width="70%" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 0px;"><font style="font-family: Times New Roman;" class="_mt" size="1">As of</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">January&nbsp;31,&nbsp;2012</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">April&nbsp;30,&nbsp;2011</font></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Franchise Equity Lines of Credit &#8211; undrawn commitment </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 22,209 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 37,695 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Media advertising purchase obligation </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">5,714 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">9,498 </font></p></td></tr></table>

<p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">We have recorded liabilities totaling $<font class="_mt">8.2</font> million and $<font class="_mt">11.0</font> million as of January 31, 2012 and April 30, 2011, respectively, in conjunction with contingent payments related to recent acquisitions of our continuing operations, with the short-term amount recorded in accounts payable, accrued expenses and deposits and the long-term portion included in other noncurrent liabilities. Our estimate is based on current financial conditions. Should actual results differ materially from our assumptions, the potential payments will differ from the above estimate. </font></p>

<p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" 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 January 31, 2012. </font></p>

<p style="margin-top: 18px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">Variable Interests </font></p>

<p style="margin-top: 6px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">We evaluated our financial interests in variable interest entities (VIEs) as of January 31, 2012 and determined that, other than the changes related to the sale of RSM, there have been no significant changes related to those financial interests. </font></p>

<p style="margin-top: 12px; margin-bottom: 0px; font-size: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp; Discontinued Operations &#8211; Representation and Warranty Obligations </font></p>

<p style="margin-top: 6px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">SCC ceased originating mortgage loans in December 2007 and, in April 2008, sold its servicing assets and discontinued its remaining operations. The sale of servicing assets did not include the sale of any mortgage loans. </font></p>

<p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">In connection with the sale of loans and/or residential mortgage-backed securities (RMBS), SCC made certain representations and warranties, including, but not limited to, representations relating to matters such as ownership of the loan, validity of the lien securing the loan, borrower fraud and the loan's compliance with SCC's underwriting criteria. Representations and warranties related to borrower fraud in whole loan sale transactions to institutional investors, which represented approximately <font class="_mt">68</font>% of the disposal of originated loans, included a "knowledge qualifier" which limits SCC's liability to those instances where SCC had knowledge of the fraud at the time the loans were sold. Representations and warranties made in other sale transactions did not include a knowledge qualifier. In the event that there is a breach of a representation and warranty and such breach materially and adversely affects the value of a mortgage loan or a securitization insurer's or bondholders' interest in the mortgage loan, SCC may be obligated to repurchase the loan or otherwise indemnify certain parties for losses incurred in connection with loan liquidation. Generally, repurchase requests are not subject to a stated term, but actions to enforce a repurchase obligation would be subject to the applicable statutes of limitations. </font></p>

<p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">Representation and warranty claims received by SCC have primarily related to alleged breaches of representations and warranties related to a loan's compliance with the underwriting standards established by SCC at origination and borrower fraud. Claims received since May 1, 2008 are as follows: </font></p>

<p style="margin-top: 0px; margin-bottom: 0px; font-size: 12px;">&nbsp;</p>

<table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center">
<tr><td style="width: 29%;"> </td>
<td style="width: 36pt;"> </td>
<td style="width: 26pt;"> </td>
<td style="width: 22pt;"> </td>
<td style="width: 26pt;"> </td>
<td style="width: 26pt;"> </td>
<td style="width: 26pt;"> </td>
<td style="width: 22pt;"> </td>
<td style="width: 26pt;"> </td>
<td style="width: 22pt;"> </td>
<td style="width: 26pt;"> </td>
<td style="width: 26pt;"> </td>
<td style="width: 22pt;"> </td>
<td style="width: 49pt;"> </td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">(in&nbsp;millions)</font></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Fiscal&nbsp;Year</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="4" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Fiscal&nbsp;Year&nbsp;2010</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="4" align="center">

<p style="margin-top: 0px; margin-bottom: 1px;" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Fiscal&nbsp;Year&nbsp;2011</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="3" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Fiscal&nbsp;Year&nbsp;2012</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">2009</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Q1</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Q2</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Q3</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Q4</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Q1</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Q2</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Q3</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Q4</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Q1</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Q2</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Q3</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Total</font></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="1">Loan Origination Year:</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="1">2005 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">$ 62 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">$ &#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">$ 15 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">$ &#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">$ &#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">$ 6 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">$ 1 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">$ &#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">$ 1 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">$ &#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">$ &#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">$ 4 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">$ 89 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="1">2006 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">217 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">2 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">57 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">4 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">45 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">100 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">15 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">29 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">50 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">29 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">130 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">29 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">707 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="1">2007 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">153 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">4 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">11 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">7 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">3 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">5 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">4 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">4 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">2 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">353 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">2 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">548 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="1">Total </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">$ 432 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">$ 6 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">$ 83 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">$ 11 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">$ 45 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">$ 109 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">$ 21 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">$ 33 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">$ 55 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">$ 31 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">$ 483 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">$ 35 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">$ 1,344 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td></tr></table>

<p style="margin-left: 0%;" class="rfn">&nbsp;</p>

<p style="margin-top: 0px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">Note: &nbsp;&nbsp;The table above excludes amounts related to an indemnity agreement dated April 2008, which is discussed below. </font></p>

<p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">SCC received $<font class="_mt">35</font> million in claims in the third quarter of fiscal year 2012, most of which were asserted by a private-label securitization trustee on behalf of bondholders ($<font class="_mt">29</font> million) with the remainder asserted by monoline insurers ($<font class="_mt">6</font> million). The nature of the claims and the characteristics of the loans to which they relate, including loan vintage, loan performance characteristics, and alleged breaches of representations and warranties, are generally consistent with claims received in prior periods. The amount of claims received varies from period to period, and these variances have been and are expected to continue to fluctuate substantially. Although there is no certainty regarding future claims volume, expiring statutes of limitations and developments in securities litigation and other proceedings to which we are not a party could impact claim volumes during upcoming periods. SCC believes that claim volumes fluctuate in relation to the volume of requests from third parties for access to loan files managed by the party that services the majority of the outstanding SCC-originated loans. SCC and the servicer are currently in a legal dispute over the manner in which the servicer provides that access and the results of the dispute could impact the loan file access of third parties. </font></p>

<p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">For claims received, reviewed and determined to be valid or otherwise settled, SCC has complied with its obligations by either repurchasing the mortgage loans or related collateral, reimbursing losses in connection with liquidated collateral, or reaching other settlements. Since May 2008, SCC has denied approximately <font class="_mt">88</font>% of all claims reviewed, excluding loans covered by other settlements. Of claims determined to be valid, approximately <font class="_mt">22</font>% resulted in loan repurchases and <font class="_mt">78</font>% resulted in reimbursement or settlement payments. Losses on loan repurchase, indemnification and settlement payments totaled approximately $<font class="_mt">120</font> million for the period May 1, 2008 through January 31, 2012. Loss severity rates on repurchases and indemnification have approximated <font class="_mt">59</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">10.6</font> million at January 31, 2012. </font></p>

<p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" 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 claims during this time. During the current quarter, SCC completed its review of prior period claims with an approximate principal balance of $<font class="_mt">220</font> million. Claims determined to be valid during the current quarter have estimated losses of $<font class="_mt">1.2</font> million. Payments related to these claims remained pending at January 31, 2012. Counterparties are able to reassert claims that SCC has denied. Claims totaling approximately $<font class="_mt">399</font> million remained subject to review as of January 31, 2012. As of January 31, 2012, approximately $<font class="_mt">79</font> million of claims under review represent a reassertion of previously denied claims. </font></p>

<p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" 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">90</font>% relate to loans originated in calendar years 2006 and 2007. During calendar years 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 directly to government sponsored entities. Government sponsored entities also purchased bonds backed by SCC-originated mortgage loans and, with respect to these bonds, have the same rights as other bondholders in private label securitizations. SCC is not subject to representation and warranty losses on loans that have been paid in full, repurchased, or were sold without recourse. </font></p>

<p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">The majority of claims asserted since May 1, 2008 determined by SCC to represent a valid breach of its representations and warranties, relate to loans that became delinquent within the first two years following the origination of the mortgage loan. Based on its experiences to date, SCC believes the longer a loan performs prior to an event of default, the less likely the default will be related to a breach of a representation and warranty. A loan that defaults within the first two years following the origination of the mortgage loan does not necessarily default due to a breach of a representation and warranty. Loans originated in 2005, 2006 and 2007 that defaulted in the first two years totaled $<font class="_mt">4.0</font> billion, $<font class="_mt">6.3</font> billion and $<font class="_mt">2.9</font> billion, respectively. </font></p>

<p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">SCC estimates losses relating to representation and warranty claims by estimating loan repurchase and indemnification obligations based on historical validity and severity rates on both known claims and projections of future claims. Projections of future claims are based on an analysis that includes a review of the terms and provisions of related agreements, the historical experience under repurchase and indemnification obligations related to breaches of representations and warranties and third-party activity, which includes inquiries from various third-parties, loan file access by third parties, and repurchase demands. SCC's methodology for calculating this liability also includes an assessment of the probability that individual counterparties (private label securitization trustees on behalf of bondholders, monoline insurers and whole-loan purchasers) will assert future claims. </font></p>

<p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">SCC has recorded a liability for estimated contingent losses related to representation and warranty claims as of January 31, 2012 of $<font class="_mt">142.9</font> million, which represents SCC's estimate of the probable loss that may occur. Although SCC reviewed claims during the quarter that were deemed valid, payments related to those claims were still pending as of January 31, 2012. As such, the balance of the recorded liability at January 31, 2012 remained unchanged from the preceding quarter. During the second quarter of fiscal year 2012, SCC observed substantially increased third-party activity. As a result of this third-party activity, SCC's estimate of probable claims increased from its prior expectations and accordingly, it recorded an additional loss provision at the end of the second quarter. In the third quarter of fiscal year 2012, third-party activity decreased relative to the second quarter. During the prior fiscal year, SCC made payments totaling $<font class="_mt">49.8</font> million under an indemnity agreement dated April 2008 with a specific counterparty in exchange for a full and complete release of such party's ability to assert representation and warranty claims. The indemnity agreement was given as part of obtaining the counterparty's consent to SCC's sale of its mortgage servicing business in 2008. SCC has no remaining payment obligations under this indemnity agreement. </font></p>

<p style="margin-top: 12px; margin-bottom: 0px; font-size: 1px;">&nbsp;</p>

<p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">The recorded liability represents SCC's estimate of losses from future representation and warranty claims where assertion of a claim and a related contingent loss are both determined to be probable. Because the rate at which future claims may be determined to be valid and actual loss severity rates may differ significantly from historical experience, SCC is not able to estimate reasonably possible loss outcomes in excess of its current accrual. A <font class="_mt">1</font>% increase in both assumed validity rates and loss severities would result in losses beyond SCC's accrual of approximately $22 million. This sensitivity is hypothetical and is intended to provide an indication of the impact of a change in key assumptions on the representations and warranties liability. In reality, changes in one assumption may result in changes in other assumptions, which could affect the sensitivity and the amount of losses. </font></p>

<p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">While SCC uses what it believes to be the best information available to it in estimating its liability, assessing the likelihood that claims will be asserted in the future and estimating probable losses are inherently subjective and require considerable management judgment. To the extent that the volume of asserted claims, the level of valid claims, the counterparties asserting claims, the nature of claims, or the value of residential home prices, among other factors, differ in the future from current estimates, future losses may be greater than the current estimates and those differences may be significant. </font></p>

<p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">A rollforward of our liability for losses on repurchases for the nine months ended January 31, 2012 and 2011 is as follows: </font></p>

<p style="margin-top: 0px; margin-bottom: 0px; font-size: 12px;">&nbsp;</p>

<table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="76%" align="center">
<tr><td style="width: 55%;"> </td>
<td style="width: 52pt;"> </td>
<td style="width: 52pt;"> </td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"><font style="font-family: Times New Roman;" class="_mt" size="1"><b> </b>(in&nbsp;000s)</font></td></tr>
<tr><td valign="bottom" width="78%" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 0px;"><font style="font-family: Times New Roman;" class="_mt" size="1">Nine months ended January&nbsp;31,</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">2012</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">2011</font></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Balance at beginning of period:</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Amount related to repurchase and indemnifications </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 126,260 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 138,415 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Amount related to indemnity agreement dated April 2008 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">49,785 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">126,260 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">188,200 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Changes:</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Provision for estimated losses </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">20,000 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Losses on repurchase and indemnifications </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(3,337 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(7,652 )</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Payments under indemnity agreement dated April 2008 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(25,562 )</font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Balance at end of period:</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Amount related to repurchase and indemnifications </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">142,923 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">130,763 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Amount related to indemnity agreement dated April 2008 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">24,223 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 142,923 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 154,986 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td></tr></table>

<p style="margin-top: 12px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">Discontinued Operations &#8211; Indemnification Obligations </font></p>

<p style="margin-top: 6px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">SCC may also have indemnification obligations with respect to loans and securities it originated and sold, as discussed in note 14. </font></p>

<p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px;"><font style="font-family: Times New Roman;" class="_mt" size="2">See discussion in note 13 below for indemnification obligations related to the sales of RSM and MCM.</font></p> </div><span></span></td>
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                <p>The entire disclosure for commitments and contingencies.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EFXAE">
      <tr>
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          <div style="width: 200px;"><strong>Litigation And Related Contingencies (Details) (USD $)<br>In Millions, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="1">9 Months Ended</th>
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          <div>Jan. 31, 2012</div>
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          <div>Apr. 30, 2011</div>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LossContingenciesLineItems', window );"><strong>Loss Contingencies [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LossContingencyAccrualCarryingValueNoncurrent', window );">Accrued obligations under indemnifications</a></td>
        <td class="nump">$ 89.0<span></span></td>
        <td class="nump">$ 70.6<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LossContingencyEstimateOfPossibleLoss', window );">Liability for legal claims</a></td>
        <td class="nump">142.9<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_SeveranceBenefitsClaim', window );">Claims for severance benefits</a></td>
        <td class="nump">8<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LossContingencyRangeOfPossibleLossMaximum', window );">Expected payment for settlement of litigation, maximum</a></td>
        <td class="nump">35.0<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="nump">28<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LitigationSettlementGross', window );">Litigation settlement amount</a></td>
        <td class="nump">41.5<span></span></td>
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        <td class="text">&#xA0;<span></span></td>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_InitialPrincipalAmountOfLoansSecuritized', window );">Initial principal on loans securitized</a></td>
        <td class="nump">50<span></span></td>
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        <td class="nump">41<span></span></td>
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          <div class="a">Minimum [Member] | Investigations, Legal Claims And Lawsuits [Member]</div>
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        <td class="text">&#xA0;<span></span></td>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LossContingenciesLineItems', window );"><strong>Loss Contingencies [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="nump">$ 61.0<span></span></td>
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                <p>Initial principal amount of loans securitized.</p>
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                <p>Severance benefits claim.</p>
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                <p>No definition available.</p>
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This element represents the expenses incurred by the entity which are directly related and attributable to receiving an award in settlement of litigation.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LitigationSettlementExpense</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LitigationSettlementGross">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This element represents the gross amount awarded, to be received by, or to be remitted to the entity in settlement of litigation occurring during the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LitigationSettlementGross</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LossContingenciesLineItems">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LossContingenciesLineItems</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LossContingencyAccrualCarryingValueNoncurrent">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The portion of the carrying amount as of the balance sheet date of the combined total of loss contingency liabilities which is expected to be resolved after one year or beyond the normal operating cycle, if longer.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 5<br><br> -Paragraph 9, 10, 11, 12<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 450<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6952336&amp;loc=d3e14326-108349<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LossContingencyAccrualCarryingValueNoncurrent</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LossContingencyEstimateOfPossibleLoss">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Reflects the estimated amount of loss from the specified contingency as of the balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 5<br><br> -Paragraph 9, 10, 11, 12<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 450<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 4<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6952336&amp;loc=d3e14435-108349<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 450<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 9<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6952336&amp;loc=d3e14557-108349<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LossContingencyEstimateOfPossibleLoss</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LossContingencyRangeOfPossibleLossMaximum">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The estimated maximum amount of possible loss from the contingency.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 450<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 9<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6952336&amp;loc=d3e14557-108349<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name FASB Interpretation (FIN)<br><br> -Number 14<br><br> -Paragraph 3<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 5<br><br> -Paragraph 9, 10, 11, 12<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 450<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 4<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6952336&amp;loc=d3e14435-108349<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LossContingencyRangeOfPossibleLossMaximum</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PrincipalAmountOutstandingOnLoansSecuritized">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This is the principal amount outstanding for securitized loans only (across all types of loans).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 860<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 4<br><br> -Subparagraph (e)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6942082&amp;loc=d3e107314-111719<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 140<br><br> -Paragraph 17<br><br> -Subparagraph i<br><br> -Clause 4<br><br> -Subclause a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name FASB Staff Position (FSP)<br><br> -Number FAS140-4/FIN46(R)-8<br><br> -Paragraph B11<br><br> -Subparagraph b<br><br> -Clause 6<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PrincipalAmountOutstandingOnLoansSecuritized</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
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<html>
  <head>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EK6BG">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Condensed Consolidated Statements Of Operations And Comprehensive Income (Loss) (USD $)<br>In Thousands, except Per Share data, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="2">3 Months Ended</th>
        <th class="th" colspan="2">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Jan. 31, 2012</div>
        </th>
        <th class="th">
          <div>Jan. 31, 2011</div>
        </th>
        <th class="th">
          <div>Jan. 31, 2012</div>
        </th>
        <th class="th">
          <div>Jan. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RevenuesAbstract', window );"><strong>Revenues:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SalesRevenueServicesNet', window );">Service revenues</a></td>
        <td class="nump">$ 524,240<span></span></td>
        <td class="nump">$ 513,914<span></span></td>
        <td class="nump">$ 717,243<span></span></td>
        <td class="nump">$ 695,269<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherSalesRevenueNet', window );">Product and other revenues</a></td>
        <td class="nump">99,564<span></span></td>
        <td class="nump">110,370<span></span></td>
        <td class="nump">116,117<span></span></td>
        <td class="nump">127,786<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestIncomeOperating', window );">Interest income</a></td>
        <td class="nump">39,476<span></span></td>
        <td class="nump">56,012<span></span></td>
        <td class="nump">59,737<span></span></td>
        <td class="nump">76,666<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Revenues', window );">Total revenues</a></td>
        <td class="nump">663,280<span></span></td>
        <td class="nump">680,296<span></span></td>
        <td class="nump">893,097<span></span></td>
        <td class="nump">899,721<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CostsAndExpensesAbstract', window );"><strong>Expenses:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SalariesAndWages', window );">Compensation and benefits</a></td>
        <td class="nump">207,480<span></span></td>
        <td class="nump">206,970<span></span></td>
        <td class="nump">316,139<span></span></td>
        <td class="nump">327,734<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_OccupancyAndEquipment', window );">Occupancy and equipment</a></td>
        <td class="nump">93,024<span></span></td>
        <td class="nump">90,653<span></span></td>
        <td class="nump">263,078<span></span></td>
        <td class="nump">261,841<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DepreciationAndAmortization', window );">Depreciation/amortization of property and equipment</a></td>
        <td class="nump">17,770<span></span></td>
        <td class="nump">18,044<span></span></td>
        <td class="nump">50,894<span></span></td>
        <td class="nump">54,925<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_ProvisionForBadDebtAndLoanLosses', window );">Provision for bad debt and loan losses</a></td>
        <td class="nump">52,932<span></span></td>
        <td class="nump">100,028<span></span></td>
        <td class="nump">68,423<span></span></td>
        <td class="nump">118,754<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_InterestExpense', window );">Interest</a></td>
        <td class="nump">23,543<span></span></td>
        <td class="nump">24,662<span></span></td>
        <td class="nump">69,352<span></span></td>
        <td class="nump">70,549<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherCostOfOperatingRevenue', window );">Other</a></td>
        <td class="nump">60,491<span></span></td>
        <td class="nump">54,527<span></span></td>
        <td class="nump">127,551<span></span></td>
        <td class="nump">118,731<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CostOfRevenue', window );">Cost of revenues</a></td>
        <td class="nump">455,240<span></span></td>
        <td class="nump">494,884<span></span></td>
        <td class="nump">895,437<span></span></td>
        <td class="nump">952,534<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GoodwillImpairmentLoss', window );">Impairment of goodwill</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">22,700<span></span></td>
        <td class="nump">4,257<span></span></td>
        <td class="nump">22,700<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SellingGeneralAndAdministrativeExpense', window );">Selling, general and administrative expenses</a></td>
        <td class="nump">211,736<span></span></td>
        <td class="nump">190,639<span></span></td>
        <td class="nump">408,144<span></span></td>
        <td class="nump">350,201<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CostsAndExpenses', window );">Total expenses</a></td>
        <td class="nump">666,976<span></span></td>
        <td class="nump">708,223<span></span></td>
        <td class="nump">1,307,838<span></span></td>
        <td class="nump">1,325,435<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OperatingIncomeLoss', window );">Operating loss</a></td>
        <td class="num">(3,696)<span></span></td>
        <td class="num">(27,927)<span></span></td>
        <td class="num">(414,741)<span></span></td>
        <td class="num">(425,714)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NonoperatingIncomeExpense', window );">Other income, net</a></td>
        <td class="nump">2,670<span></span></td>
        <td class="nump">1,959<span></span></td>
        <td class="nump">9,185<span></span></td>
        <td class="nump">9,079<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments', window );">Loss from continuing operations before taxes (benefit)</a></td>
        <td class="num">(1,026)<span></span></td>
        <td class="num">(25,968)<span></span></td>
        <td class="num">(405,556)<span></span></td>
        <td class="num">(416,635)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefit', window );">Income taxes (benefit)</a></td>
        <td class="nump">2,541<span></span></td>
        <td class="num">(14,934)<span></span></td>
        <td class="num">(159,821)<span></span></td>
        <td class="num">(166,349)<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest', window );">Net loss from continuing operations</a></td>
        <td class="num">(3,567)<span></span></td>
        <td class="num">(11,034)<span></span></td>
        <td class="num">(245,735)<span></span></td>
        <td class="num">(250,286)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTax', window );">Net income (loss) from discontinued operations</a></td>
        <td class="nump">218<span></span></td>
        <td class="num">(1,687)<span></span></td>
        <td class="num">(74,436)<span></span></td>
        <td class="num">(2,165)<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net loss</a></td>
        <td class="num">(3,349)<span></span></td>
        <td class="num">(12,721)<span></span></td>
        <td class="num">(320,171)<span></span></td>
        <td class="num">(252,451)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareBasicAndDilutedAbstract', window );"><strong>Basic and diluted loss per share:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromContinuingOperationsPerBasicAndDilutedShare', window );">Net loss from continuing operations</a></td>
        <td class="num">$ (0.01)<span></span></td>
        <td class="num">$ (0.04)<span></span></td>
        <td class="num">$ (0.82)<span></span></td>
        <td class="num">$ (0.80)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerBasicAndDilutedShare', window );">Net income (loss) from discontinued operations</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">$ (0.25)<span></span></td>
        <td class="num">$ (0.01)<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EarningsPerShareBasicAndDiluted', window );">Net loss</a></td>
        <td class="num">$ (0.01)<span></span></td>
        <td class="num">$ (0.04)<span></span></td>
        <td class="num">$ (1.07)<span></span></td>
        <td class="num">$ (0.81)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_AverageNumberOfOutstandingSharesBasicAndDiluted', window );">Basic and diluted shares</a></td>
        <td class="nump">292,963<span></span></td>
        <td class="nump">305,144<span></span></td>
        <td class="nump">299,450<span></span></td>
        <td class="nump">310,546<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockDividendsPerShareCashPaid', window );">Dividends paid per share</a></td>
        <td class="nump">$ 0.20<span></span></td>
        <td class="nump">$ 0.15<span></span></td>
        <td class="nump">$ 0.50<span></span></td>
        <td class="nump">$ 0.45<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ComprehensiveIncomeNetOfTaxAbstract', window );"><strong>Comprehensive income (loss):</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net loss</a></td>
        <td class="num">(3,349)<span></span></td>
        <td class="num">(12,721)<span></span></td>
        <td class="num">(320,171)<span></span></td>
        <td class="num">(252,451)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeAvailableForSaleSecuritiesAdjustmentNetOfTaxPeriodIncreaseDecreaseAbstract', window );"><strong>Unrealized gains (losses) securities, net of taxes:</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax', window );">Unrealized holding gains (losses) arising during the period, net of taxes of $(199), $(122), $1,113 and $(75)</a></td>
        <td class="num">(291)<span></span></td>
        <td class="num">(198)<span></span></td>
        <td class="nump">1,682<span></span></td>
        <td class="num">(118)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeReclassificationAdjustmentForSaleOfSecuritiesIncludedInNetIncomeNetOfTax', window );">Reclassification adjustment for gains included in income net of taxes of $- , $(602), $58 and $(176)</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">844<span></span></td>
        <td class="num">(93)<span></span></td>
        <td class="nump">125<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPeriodIncreaseDecrease', window );">Change in foreign currency translation adjustments</a></td>
        <td class="nump">3,341<span></span></td>
        <td class="nump">4,101<span></span></td>
        <td class="num">(5,413)<span></span></td>
        <td class="nump">5,477<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ComprehensiveIncomeNetOfTax', window );">Comprehensive loss</a></td>
        <td class="num">$ (299)<span></span></td>
        <td class="num">$ (7,974)<span></span></td>
        <td class="num">$ (323,995)<span></span></td>
        <td class="num">$ (246,967)<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_hrb_AverageNumberOfOutstandingSharesBasicAndDiluted">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Average number of outstanding shares basic and diluted</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_AverageNumberOfOutstandingSharesBasicAndDiluted</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>hrb_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:sharesItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_hrb_OccupancyAndEquipment">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Occupancy And Equipment</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_OccupancyAndEquipment</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>hrb_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_hrb_ProvisionForBadDebtAndLoanLosses">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Provision For Bad Debt And Loan Losses</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_ProvisionForBadDebtAndLoanLosses</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>hrb_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CommonStockDividendsPerShareCashPaid">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Aggregate dividends paid during the period for each share of common stock outstanding.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Article 3<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.3-04)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6959260&amp;loc=d3e187085-122770<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CommonStockDividendsPerShareCashPaid</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ComprehensiveIncomeNetOfTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The change in equity [net assets] of a business enterprise during a period from transactions and other events and circumstances from non-owner sources which are attributable to the reporting entity. It includes all changes in equity during a period except those resulting from investments by owners and distributions to owners, but excludes any and all transactions which are directly or indirectly attributable to that ownership interest in subsidiary equity which is not attributable to the parent.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e540-108580<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 30<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph A5<br><br> -Appendix A<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 38<br><br> -Subparagraph c(3)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 8, 9, 10, 11, 12, 13, 14<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Comprehensive Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6508144<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Net Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6518256<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 5<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e557-108580<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Other Comprehensive Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6519514<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ComprehensiveIncomeNetOfTax</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
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        </tr>
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        <tr>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ComprehensiveIncomeNetOfTaxAbstract</nobr></td>
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                    <td><strong> Period Type:</strong></td>
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        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CostOfRevenue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate cost of goods produced and sold and services rendered during the reporting period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 5<br><br> -Section 03<br><br> -Paragraph 2<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CostOfRevenue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CostsAndExpenses">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Total costs of sales and operating expenses for the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CostsAndExpenses</nobr></td>
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                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
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            </div>
          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CostsAndExpensesAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CostsAndExpensesAbstract</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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                    <td><strong> Balance Type:</strong></td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_DepreciationAndAmortization">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The current period expense charged against earnings on long-lived, physical assets not used in production, and which are not intended for resale, to allocate or recognize the cost of such assets over their useful lives; or to record the reduction in book value of an intangible asset over the benefit period of such asset; or to reflect consumption during the period of an asset that is not used in production.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 28<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Principles Board Opinion (APB)<br><br> -Number 12<br><br> -Paragraph 5<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 360<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6391035&amp;loc=d3e2868-110229<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DepreciationAndAmortization</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EarningsPerShareBasicAndDiluted">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of net income or loss for the period per each share in instances when basic and diluted earnings per share are the same amount and reported as a single line item on the face of the financial statements.  Basic earnings per share is the amount of net income or loss for the period per each share of common stock or unit outstanding during the reporting period.  Diluted earnings per share includes the amount of net income or loss for the period available to each share of common stock or common unit outstanding during the reporting period and to each share or unit that would have been outstanding assuming the issuance of common shares or units for all dilutive potential common shares or units outstanding during the reporting period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_EarningsPerShareBasicAndDiluted</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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                </table>
              </div>
            </div>
          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EarningsPerShareBasicAndDilutedAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_EarningsPerShareBasicAndDilutedAbstract</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
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            </div>
          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_GoodwillImpairmentLoss">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Loss recognized during the period that results from the write-down of goodwill after comparing the implied fair value of reporting unit goodwill with the carrying amount of that goodwill. Goodwill is assessed at least annually for impairment.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 20<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6388280&amp;loc=d3e13777-109266<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 142<br><br> -Paragraph 20<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 142<br><br> -Paragraph 45<br><br> -Subparagraph e<br><br> -Clause 5<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 141R<br><br> -Paragraph 72<br><br> -Subparagraph d<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 142<br><br> -Paragraph 47<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (e)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6905597&amp;loc=d3e13816-109267<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 142<br><br> -Paragraph 43<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6905597&amp;loc=d3e13854-109267<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_GoodwillImpairmentLoss</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Sum of operating profit and nonoperating income or expense before Income or Loss from equity method investments, income taxes, extraordinary items, and noncontrolling interest.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 4<br><br> -Section 08<br><br> -Paragraph h<br><br> -Subparagraph 1(i)<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(h)(1)(i))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6881521&amp;loc=d3e23780-122690<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This element represents the income or loss from continuing operations attributable to the economic entity which may also be defined as revenue less expenses and taxes from ongoing operations before extraordinary items, and noncontrolling interest.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 28<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 29<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 810<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 19<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6921628&amp;loc=SL4569616-111683<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeLossFromContinuingOperationsPerBasicAndDilutedShare">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of net income (loss) from continuing operations per each basic and diluted share of common stock or unit when the per share amount is the same for both basic and diluted shares.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncomeLossFromContinuingOperationsPerBasicAndDilutedShare</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This element represents the overall income (loss) from a disposal group that is classified as a component of the entity, net of income tax, reported as a separate component of income before extraordinary items before deduction or consideration of the amount which may be allocable to noncontrolling interests, if any. Includes the following (net of tax): income (loss) from operations during the phase-out period, gain (loss) on disposal, provision (or any reversals of earlier provisions) for loss on disposal, and adjustments of a prior period gain (loss) on disposal.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 205<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6360339&amp;loc=d3e1361-107760<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 144<br><br> -Paragraph 47<br><br> -Subparagraph c<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 29<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.14)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 144<br><br> -Paragraph 43<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.12)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 13<br><br> -Article 7<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 5<br><br> -Section 03<br><br> -Paragraph 15<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 205<br><br> -SubTopic 20<br><br> -Section 45<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6892542&amp;loc=d3e957-107759<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTax</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerBasicAndDilutedShare">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of income (loss) derived from discontinued operations during the period, net of related tax effect, per each basic and diluted share of common stock or unit when the per share amount is the same for both basic and diluted shares.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTaxPerBasicAndDilutedShare</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>num:perShareItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxExpenseBenefit">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The sum of the current income tax expense or benefit and the deferred income tax expense or benefit pertaining to continuing operations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Income Tax Expense (or Benefit)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6515339<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -Subparagraph (a),(b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32639-109319<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 08<br><br> -Paragraph h<br><br> -Article 4<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 109<br><br> -Paragraph 45<br><br> -Subparagraph a, b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(h))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6881521&amp;loc=d3e23780-122690<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncomeTaxExpenseBenefit</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestExpense">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cost of borrowed funds accounted for as interest that was charged against earnings during the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 835<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6450988&amp;loc=d3e26243-108391<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.9)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 34<br><br> -Paragraph 21<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 9<br><br> -Article 9<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher OTS<br><br> -Name Federal Regulation (FR)<br><br> -Number Title 12<br><br> -Chapter V<br><br> -Section 563c.102<br><br> -Paragraph 9<br><br> -Subsection II<br><br> -LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy.  It will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestExpense</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_InterestIncomeOperating">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Interest generated from day to day operating activities of the business.  This element represents a revenue generating activity and is therefore gross (before any related cost of revenue items).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.1(e))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_InterestIncomeOperating</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetIncomeLoss">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.22)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.18)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 38<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e565-108580<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph A7<br><br> -Appendix A<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 130<br><br> -Paragraph 10, 15<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Other Comprehensive Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6519514<br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 38<br><br> -Subparagraph d<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 11: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Emerging Issues Task Force (EITF)<br><br> -Number 87-21<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 12: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Net Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6518256<br><br><br><br>Reference 13: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.19)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 14: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 5<br><br> -Section 03<br><br> -Paragraph 19<br><br><br><br>Reference 15: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 28, 29, 30<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  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              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetIncomeLoss</nobr></td>
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate amount of income or expense from ancillary business-related activities (that is to say, excluding major activities considered part of the normal operations of the business).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 5<br><br> -Section 03<br><br> -Paragraph 7<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.7)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net result for the period of deducting operating expenses from operating revenues.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherComprehensiveIncomeAvailableForSaleSecuritiesAdjustmentNetOfTaxPeriodIncreaseDecreaseAbstract</nobr></td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPeriodIncreaseDecrease">
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Adjustment that results from the process of translating subsidiary financial statements and foreign equity investments into the reporting currency of the reporting entity, net of tax.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 830<br><br> -SubTopic 30<br><br> -Section 45<br><br> -Paragraph 20<br><br> -Subparagraph (b),(c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6915805&amp;loc=d3e32211-110900<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 55<br><br> -Paragraph 2<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920433&amp;loc=d3e998-108581<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 130<br><br> -Paragraph 24<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 38<br><br> -Subparagraph c(3)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 130<br><br> -Paragraph 14, 17, 19, 26<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 52<br><br> -Paragraph 13, 20, 31<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherComprehensiveIncomeForeignCurrencyTransactionAndTranslationAdjustmentNetOfTaxPeriodIncreaseDecrease</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeReclassificationAdjustmentForSaleOfSecuritiesIncludedInNetIncomeNetOfTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Reclassification adjustment for unrealized gains or losses realized upon the sale of securities, after tax.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -Subparagraph (d)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6872113&amp;loc=d3e27357-111563<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Reclassification Adjustments<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6522872<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 130<br><br> -Paragraph 24<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 15<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e689-108580<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 130<br><br> -Paragraph 18, 19<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e637-108580<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 38<br><br> -Subparagraph c(3)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherComprehensiveIncomeReclassificationAdjustmentForSaleOfSecuritiesIncludedInNetIncomeNetOfTax</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Appreciation or loss in value (before reclassification adjustment) of the total of unsold securities during the period being reported on, net of tax. Reclassification adjustments include: (1) the unrealized holding gain (loss), net of tax, at the date of the transfer for a debt security from the held-to-maturity category transferred into the available-for-sale category. Also includes the unrealized gain (loss) at the date of transfer for a debt security from the available-for-sale category transferred into the held-to-maturity category; (2) the unrealized gains (losses) realized upon the sale of securities, after tax; and (3) the unrealized gains (losses) realized upon the write-down of securities, after tax.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e637-108580<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 13<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e653-108580<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 13<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 55<br><br> -Paragraph 2<br><br> -Subparagraph (e)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920433&amp;loc=d3e998-108581<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 130<br><br> -Paragraph 24<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 130<br><br> -Paragraph 17, 22<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 38<br><br> -Subparagraph c(3)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherComprehensiveIncomeUnrealizedHoldingGainLossOnSecuritiesArisingDuringPeriodNetOfTax</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_OtherCostOfOperatingRevenue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Other costs incurred during the reporting period related to other revenue generating activities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 5<br><br> -Section 03<br><br> -Paragraph 2<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherCostOfOperatingRevenue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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              </div>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Revenues from the sale of other goods or rendering of other services, not elsewhere specified in the taxonomy; net of (reduced by) sales adjustments, returns, allowances, and discounts.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 5<br><br> -Section 03<br><br> -Paragraph 1<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.1(a),(d))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_OtherSalesRevenueNet</nobr></td>
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Aggregate revenue recognized during the period (derived from goods sold, services rendered, insurance premiums, or other activities that constitute an entity's earning process). For financial services companies, also includes investment and interest income, and sales and trading gains.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 5<br><br> -Section 03<br><br> -Paragraph 1<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_Revenues</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Expenditures for salaries other than officers. Does not include allocated share-based compensation, pension and post-retirement benefit expense or other labor-related non-salary expense. For commercial and industrial companies, excludes any direct and overhead labor that is included in cost of goods sold.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.4)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_SalariesAndWages</nobr></td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Aggregate revenue during the period from services rendered in the normal course of business, after deducting allowances and discounts.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 5<br><br> -Section 03<br><br> -Paragraph 1<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.1(d))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_SalesRevenueServicesNet</nobr></td>
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                    <td>credit</td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate total costs related to selling a firm's product and services, as well as all other general and administrative expenses. Direct selling expenses (for example, credit, warranty, and advertising) are expenses that can be directly linked to the sale of specific products. Indirect selling expenses are expenses that cannot be directly linked to the sale of specific products, for example telephone expenses, Internet, and postal charges. General and administrative expenses include salaries of non-sales personnel, rent, utilities, communication, etc.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 43<br><br> -Chapter 4<br><br> -Paragraph 5A<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 5<br><br> -Section 03<br><br> -Paragraph 4<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.4)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 330<br><br> -SubTopic 10<br><br> -Section 30<br><br> -Paragraph 8<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6386349&amp;loc=d3e3636-108311<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                    <td><nobr>us-gaap_SellingGeneralAndAdministrativeExpense</nobr></td>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
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          <div style="width: 200px;"><strong>Assets And Liabilities Measured At Fair Value<br></strong></div>
        </th>
        <th class="th" colspan="1">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Jan. 31, 2012</div>
        </th>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueDisclosuresAbstract', window );"><strong>Assets And Liabilities Measured At Fair Value [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueDisclosuresTextBlock', window );">Assets And Liabilities Measured At Fair Value</a></td>
        <td class="text"><div> <p style="margin-top: 12px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2"><b>6. Assets and Liabilities Measured at Fair Value</b> </font></p>

<p style="margin-top: 6px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" 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>

<p style="margin-top: 6px; margin-bottom: 0px; margin-left: 6%;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#149; 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 for identical securities and as such, would be classified as Level 1. If quoted market prices are not available, we use a third-party pricing service to determine fair value and classify the securities as Level 2. The service's pricing model is based on market data and utilizes available trade, bid and other market information for similar securities. Available-for-sale securities that we classify as Level 2 include certain agency and non-agency mortgage-backed securities and municipal bonds. </font></p>

<p style="margin-top: 6px; margin-bottom: 0px; margin-left: 6%;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#149; 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. 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></p>

<p style="margin-top: 6px; margin-bottom: 0px; margin-left: 6%;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#149; 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 TDRs or the appraised value of the underlying collateral for all other loans. These loans are classified as Level 3. </font></p>

<p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" 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 nine months ended January 31, 2012 and 2011 and the gains (losses) on those remeasurements: </font></p>

<p style="margin-top: 0px; margin-bottom: 0px; font-size: 12px;">&nbsp;</p>

<div class="MetaData">

<table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center">
<tr><td style="width: 52%;">&nbsp;</td>
<td style="width: 50pt;">&nbsp;</td>
<td style="width: 34pt;">&nbsp;</td>
<td style="width: 47pt;">&nbsp;</td>
<td style="width: 47pt;">&nbsp;</td>
<td style="width: 62pt;">&nbsp;</td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"><font style="font-family: Times New Roman;" class="_mt" size="1">(dollars&nbsp;in&nbsp;000s)</font></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Total</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Level&nbsp;1</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Level 2</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Level 3</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Gain (loss)</font> </td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">As of January&nbsp;31, 2012:</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Recurring: </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 5em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Mortgage-backed securities </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ &nbsp;306,475 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ &#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 306,475 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ &#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 2,956 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 5em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Municipal bonds </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">7,712 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">7,712 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">451 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Non-recurring: </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 5em;"><font style="font-family: Times New Roman;" class="_mt" size="2">REO </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">16,883 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">16,883 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(772 )</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 5em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Impaired mortgage loans held for investment </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">103,509 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">103,509 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(6,986 )</font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 434,579 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ &#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 314,187 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 120,392 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (4,351 )</font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">As a percentage of total assets </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">9.0 %</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; %</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">6.5 %</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">2.5 %</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">As of January&nbsp;31, 2011:</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Recurring: </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 5em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Mortgage-backed securities </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 19,927 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ &#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 19,927 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ &#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (91 )</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 5em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Municipal bonds </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">8,740 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">8,740 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">380 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 5em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Trust preferred security </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">21 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">21 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(1,575 )</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Non-recurring: </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 5em;"><font style="font-family: Times New Roman;" class="_mt" size="2">REO </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">19,532 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">19,532 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(1,512 )</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 5em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Impaired mortgage loans held for investment </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">174,062 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">174,062 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(7,792 )</font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 222,282 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ &#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 28,688 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 193,594 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (10,590 )</font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">As a percentage of total assets </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">3.8 %</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; %</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">0.5 %</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">3.3 %</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr></table>

<div class="MetaData">

<p style="margin-left: 0%;" class="rfn"><font style="font-family: Times New Roman;" class="_mt" size="1"><sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;">(1)</sup> </font><font class="_mt"><font style="font-family: Times New Roman;" class="_mt" size="2">Prior year amounts have been restated to include trust preferred securities that were remeasured during the quarter and the gain (loss) on all remeasurements.</font></font></p></div></div>

<p style="margin-left: 0%;" class="rfn"><font style="font-family: Times New Roman;" class="_mt" size="2"> </font></p>

<p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" 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 style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">The following methods were used to determine the fair values of our other financial instruments: </font></p>

<p style="margin-top: 6px; margin-bottom: 0px; margin-left: 13%;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#149; Cash equivalents, accounts receivable, investment in Federal Home Loan Bank (FHLB) stock, accounts payable, accrued liabilities, commercial paper borrowings and FHLB borrowings &#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 style="margin-top: 6px; margin-bottom: 0px; margin-left: 13%;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#149; Long-term financing receivables &#8211; The carrying values reported in the balance sheet for loans to franchisees approximate fair market value due to the variable interest rates and respective collateral values of these assets. The long-term note receivable from M&amp;P bears interest at a rate similar to available market rates, and therefore carrying value approximates fair market value. Long-term EA and tax client receivables related to RALs are carried at net realizable value which approximates fair value. </font></p>

<p style="margin-top: 6px; margin-bottom: 0px; margin-left: 13%;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#149; 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 style="margin-top: 6px; margin-bottom: 0px; margin-left: 13%;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#149; 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 style="margin-top: 6px; margin-bottom: 0px; margin-left: 13%;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#149; Long-term debt 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="margin-top: 18px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">The carrying amounts and estimated fair values of our financial instruments at January 31, 2012 are as follows: </font></p>

<p style="margin-top: 0px; margin-bottom: 0px; font-size: 12px;">&nbsp;</p>

<table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="76%" align="center">
<tr><td style="width: 52%;">&nbsp;</td>
<td style="width: 60pt;">&nbsp;</td>
<td style="width: 60pt;">&nbsp;</td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"><font style="font-family: Times New Roman;" class="_mt" size="1">(in 000s)</font></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Carrying<br />Amount</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Estimated<br />Fair Value</font> </td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Mortgage loans held for investment </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 430,189 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 260,691 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Deposits </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,593,604 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,585,985 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Long-term borrowings </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,040,237 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,078,152 </font></p></td></tr></table> </div><span></span></td>
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                <p>The entire disclosure for the fair value of financial instruments (as defined), including financial assets and financial liabilities (collectively, as defined), and the measurements of those instruments as well as disclosures related to the fair value of non-financial assets and liabilities. Such disclosures about the financial instruments, assets, and liabilities would include: (1) the fair value of the required items together with their carrying amounts (as appropriate); (2) for items for which it is not practicable to estimate fair value, disclosure would include: (a) information pertinent to estimating fair value (including, carrying amount, effective interest rate, and maturity, and (b) the reasons why it is not practicable to estimate fair value; (3) significant concentrations of credit risk including: (a) information about the activity, region, or economic characteristics identifying a concentration, (b) the maximum amount of loss the entity is exposed to based on the gross fair value of the related item, (c) policy for requiring collateral or other security and information as to accessing such collateral or security, and (d) the nature and brief description of such collateral or security; (4) quantitative information about market risks and how such risks are managed; (5) for items measured on both a recurring and nonrecurring basis information regarding the inputs used to develop the fair value measurement; and (6) for items presented in the financial statement for which fair value measurement is elected: (a) information necessary to understand the reasons for the election, (b) discussion of the effect of fair value changes on earnings, (c) a description of [similar groups] items for which the election is made and the relation thereof to the balance sheet, the aggregate carrying value of items included in the balance sheet that are not eligible for the election; (7) all other required (as defined) and desired information.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 820<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 5<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6925170&amp;loc=d3e19296-110258<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 159<br><br> -Paragraph 17-22, 27, 28<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 825<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 10<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6947722&amp;loc=d3e13433-108611<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 107<br><br> -Paragraph 15C, 15D<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 825<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 28<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6957238&amp;loc=d3e14064-108612<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 825<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 16<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6947722&amp;loc=d3e13504-108611<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 107<br><br> -Paragraph 15A<br><br> -Subparagraph a-d<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 825<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 21<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6947722&amp;loc=d3e13537-108611<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 133<br><br> -Paragraph 44A, 44B<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 820<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6925170&amp;loc=d3e19207-110258<br><br><br><br>Reference 11: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 825<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 30<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6957238&amp;loc=d3e14172-108612<br><br><br><br>Reference 12: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 107<br><br> -Paragraph 3, 10, 14, 15<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 13: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 107<br><br> -Paragraph 15B<br><br> -Subparagraph a, b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 14: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 157<br><br> -Paragraph 32, 33, 34<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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          <div style="width: 200px;"><strong>Investments In Available-For-Sale Securities<br></strong></div>
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        <th class="th" colspan="1">9 Months Ended</th>
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          <div>Jan. 31, 2012</div>
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        <td class="text"><div> <p style="margin-top: 12px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2"><b>5. Investments in Available-for-Sale Securities</b> </font></p>

<p style="margin-top: 6px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">The amortized cost and fair value of securities classified as available-for-sale (AFS) held at January 31, 2012 and April 30, 2011 are summarized below: </font></p>

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<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"><font style="font-family: Times New Roman;" class="_mt" size="1">(in 000s)</font> </td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="4" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">January&nbsp;31, 2012</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="4" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">April&nbsp;30,&nbsp;2011</font> </td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Gross</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Gross</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Gross</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Gross</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Amortized</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Unrealized</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Unrealized</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Fair</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Amortized</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Unrealized</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Unrealized</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Fair</font></td></tr>
<tr><td valign="bottom" width="45%">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1"><u>As of</u></font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Cost</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Gains</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Losses<sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;"> (1)</sup></font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Value</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Cost</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Gains</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Losses<sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;"> (1)</sup></font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Value</font> </td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="1">Short-term:</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="1">Municipal bonds </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">$ 2,001 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">$ 3 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">$ &#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">$ 2,004 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">$ 3,023 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">$ 58 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">$ &#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">$ 3,081 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="1">Long-term:</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="1">Mortgage-backed securities </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">303,519 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">3,243 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">(287 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">306,475 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">157,970 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">401 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">(194 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">158,177 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="1">Municipal bonds </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">5,260 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">448 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">5,708 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">5,312 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">347 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">5,659 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">308,779 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">3,691 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">(287 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">312,183 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">163,282 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">748 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">(194 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">163,836 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="1">Total </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">$ 310,780 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">$ 3,694 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">$ (287 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">$ 314,187 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">$ 166,305 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">$ 806 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">$ (194 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">$ 166,917 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td></tr></table>

<p style="padding-bottom: 0px; margin-top: 0px; margin-bottom: 0px; margin-left: 2%;"><font style="font-family: Times New Roman;" class="_mt" size="1"><sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;"> </sup></font>&nbsp;</p>

<div class="MetaData">

<p style="padding-bottom: 0px; margin-top: 0px; margin-bottom: 0px; margin-left: 2%;"><font style="font-family: Times New Roman;" class="_mt" size="1"><sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;">(1)</sup>&nbsp;</font><font style="font-family: Times New Roman;" class="_mt" size="2"><font class="_mt"><font style="font-family: Times New Roman;" class="_mt" size="2">At January 31, 2012 and April 30, 2011, we had&nbsp;<font class="_mt">no</font> investments that had been in a continuous loss position for more than twelve months.</font></font> </font></p></div></div>

<p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">We did not record any other-than-temporary impairments of AFS securities during the three or nine months ended January 31, 2012. During the three and nine months ended January 31, 2011, we recorded other-than-temporary impairments of AFS securities totaling $<font class="_mt">1.5</font> million and $<font class="_mt">1.9</font> million, respectively, as a result of an assessment that it was probable we would not collect all amounts due or an assessment that we would not be able to hold the investments until potential recovery of market value. </font></p>

<p style="margin-top: 6px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">Contractual maturities of AFS debt securities at January 31, 2012, occur at varying dates over the next 30 years, and are set forth in the table below. </font></p>

<table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="76%" align="center">
<tr><td style="width: 55%;">&nbsp;</td>
<td style="width: 52pt;">&nbsp;</td>
<td style="width: 52pt;">&nbsp;</td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"><font style="font-family: Times New Roman;" class="_mt" size="1"><b> </b>(in 000s)<b> </b></font></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Cost Basis</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Fair Value</font> </td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Maturing in:</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Less than one year </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 2,001 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 2,004 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Two to five years </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">4,204 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">4,502 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Six to ten years </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,056 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,206 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Beyond </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">303,519 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">306,475 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 310,780 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 314,187 </font></p></td></tr></table> </div><span></span></td>
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                <p>Tabular disclosure of available-for-sale securities which consist of all investments in certain debt and equity securities neither classified as trading or held-to-maturity securities. A debt security represents a creditor relationship with an enterprise. Debt securities include, among other items, US Treasury securities, US government securities, municipal securities, corporate bonds, convertible debt, commercial paper, and all securitized debt instruments. An equity security represents an ownership interest in an enterprise or the right to acquire or dispose of an ownership interest in an enterprise at fixed or determinable prices. Equity securities include, among other things, common stock, certain preferred stock, warrant rights, call options, and put options, but do not include convertible debt.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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          <div style="width: 200px;"><strong>Condensed Consolidating Financial Statements<br></strong></div>
        </th>
        <th class="th" colspan="1">9 Months Ended</th>
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          <div>Jan. 31, 2012</div>
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<p style="margin-top: 6px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2"><b>17. Condensed Consolidating Financial Statements </b></font></p>

<p style="margin-top: 12px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">BFC is an indirect, wholly-owned subsidiary of the Company. BFC is the Issuer and the Company is the Guarantor of the Senior Notes issued on January 11, 2008 and October 26, 2004, our CLOC and other indebtedness issued from time to time. These condensed consolidating financial statements have been prepared using the equity method of accounting. Earnings of subsidiaries are, therefore, reflected in the Company's investment in subsidiaries account. The elimination entries eliminate investments in subsidiaries, related stockholders' equity and other intercompany balances and transactions. </font></p>

<div>

<p style="margin-top: 12px; margin-bottom: 0px;"><font style="font-family: Times New Roman;" class="_mt" size="2"><i>Condensed Consolidating Statements of Operations</i><b><i> </i></b></font></p>

<p style="margin-top: 0px; margin-bottom: 0px; font-size: 6px;">&nbsp;</p>

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<td style="width: 64pt;"> </td>
<td style="width: 45pt;"> </td>
<td style="width: 49pt;"> </td>
<td style="width: 50pt;"> </td>
<td style="width: 52pt;"> </td></tr>
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<p class="la2">&nbsp;</p></td>
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<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
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<p class="la2">&nbsp;</p></td>
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<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">(in 000s)</font>

<p class="rrdsinglerule" align="left">&nbsp;</p></td></tr>
<tr><td valign="bottom" width="60%" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 0px;"><font style="font-family: Times New Roman;" class="_mt" size="1">Three months ended</font></p>

<p style="margin-top: 0px; margin-bottom: 0px;"><font style="font-family: Times New Roman;" class="_mt" size="1">January&nbsp;31, 2012</font></p>

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">H&amp;R&nbsp;Block,&nbsp;Inc.<br />(Guarantor)</font>

<p class="rrdsinglerule" align="left">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">BFC<br />(Issuer)</font>

<p class="rrdsinglerule" align="left">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Other<br />Subsidiaries</font>

<p class="rrdsinglerule" align="left">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Eliminations</font>

<p class="rrdsinglerule" align="left">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Consolidated<br />H&amp;R Block</font>

<p class="rrdsinglerule" align="left">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Total revenues </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ &#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 65,604 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 597,837 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (161 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 663,280 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Cost of revenues </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">77,965 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">377,436 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(161 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">455,240 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Selling, general and administrative </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">9,705 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">202,031 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">211,736 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Total expenses </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">87,670 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">579,467 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(161 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">666,976 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Operating income (loss) </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(22,066 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">18,370 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(3,696 )</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Other income (expense), net </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(1,026 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,301 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,369 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,026 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">2,670 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Income (loss) from continuing operations before tax (benefit) </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(1,026 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(20,765 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">19,739 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,026 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(1,026 )</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Income tax (benefit) </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">2,541 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">12,036 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(9,495 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(2,541 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">2,541 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Net income (loss) from continuing operations </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(3,567 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(32,801 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">29,234 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">3,567 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(3,567 )</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Net income (loss) from discontinued operations </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">218 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(15,695 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">15,913 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(218 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">218 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Net income (loss) </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (3,349 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (48,496 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 45,147 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 3,349 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (3,349 )</font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td></tr></table>

<p style="margin-top: 0px; margin-bottom: 0px; font-size: 12px;">&nbsp;</p>

<table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center">
<tr><td style="width: 47%;"> </td>
<td style="width: 64pt;"> </td>
<td style="width: 47pt;"> </td>
<td style="width: 49pt;"> </td>
<td style="width: 50pt;"> </td>
<td style="width: 52pt;"> </td></tr>
<tr><td valign="bottom" width="58%" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 0px;"><font style="font-family: Times New Roman;" class="_mt" size="1">Three months ended</font></p>

<p style="margin-top: 0px; margin-bottom: 0px;"><font style="font-family: Times New Roman;" class="_mt" size="1">January&nbsp;31, 2011</font></p>

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">H&amp;R&nbsp;Block,&nbsp;Inc.<br />(Guarantor)</font>

<p class="rrdsinglerule" align="left">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">BFC<br />(Issuer)</font>

<p class="rrdsinglerule" align="left">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Other<br />Subsidiaries</font>

<p class="rrdsinglerule" align="left">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Eliminations</font>

<p class="rrdsinglerule" align="left">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Consolidated<br />H&amp;R Block</font>

<p class="rrdsinglerule" align="left">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Total revenues </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ &#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 74,103 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 606,193 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ &#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 680,296 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Cost of revenues </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">118,708 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">376,176 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">494,884 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Selling, general and administrative </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">10,220 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">203,119 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">213,339 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Total expenses </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">128,928 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">579,295 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">708,223 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Operating income (loss) </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(54,825 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">26,898 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(27,927 )</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Other income (expense), net </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(25,968 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(521 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">2,480 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">25,968 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,959 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Income (loss) from continuing operations before taxes (benefit) </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(25,968 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(55,346 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">29,378 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">25,968 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(25,968 )</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Income taxes (benefit) </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(14,934 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(26,783 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">11,849 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">14,934 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(14,934 )</font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Net income (loss) from continuing operations </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(11,034 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(28,563 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">17,529 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">11,034 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(11,034 )</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Net income (loss) from discontinued operations </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(1,687 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(8,283 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">6,596 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,687 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(1,687 )</font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Net income (loss) </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (12,721 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (36,846 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 24,125 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 12,721 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (12,721 )</font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td></tr></table>

<p style="margin-top: 12px; margin-bottom: 0px; font-size: 1px;"><font size="3" class="_mt"> </font>&nbsp;</p>

<p style="margin-top: 0px; margin-bottom: 0px; font-size: 12px;">&nbsp;</p>

<table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center">
<tr><td style="width: 45%;"> </td>
<td style="width: 64pt;"> </td>
<td style="width: 47pt;"> </td>
<td style="width: 55pt;"> </td>
<td style="width: 50pt;"> </td>
<td style="width: 55pt;"> </td></tr>
<tr><td valign="bottom" width="55%" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 0px;"><font style="font-family: Times New Roman;" class="_mt" size="1">Nine months ended</font></p>

<p style="margin-top: 0px; margin-bottom: 0px;"><font style="font-family: Times New Roman;" class="_mt" size="1">January&nbsp;31, 2012</font></p>

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">H&amp;R&nbsp;Block,&nbsp;Inc.<br />(Guarantor)</font>

<p class="rrdsinglerule" align="left">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">BFC<br />(Issuer)</font>

<p class="rrdsinglerule" align="left">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Other<br />Subsidiaries</font>

<p class="rrdsinglerule" align="left">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Eliminations</font>

<p class="rrdsinglerule" align="left">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Consolidated<br />H&amp;R Block</font>

<p class="rrdsinglerule" align="left">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Total revenues </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ &#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 104,937 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 788,321 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (161 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 893,097 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Cost of revenues </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">152,605 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">742,993 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(161 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">895,437 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Selling, general and administrative </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">24,044 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">388,357 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">412,401 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Total expenses </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">176,649 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,131,350 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(161 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,307,838 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Operating loss </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(71,712 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(343,029 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(414,741 )</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Other income (expense), net </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(405,556 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">7,647 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,538 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">405,556 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">9,185 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Loss from continuing operations before tax benefit </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(405,556 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(64,065 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(341,491 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">405,556 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(405,556 )</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Income tax benefit </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(159,821 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(4,877 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(154,944 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">159,821 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(159,821 )</font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Net loss from continuing operations </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(245,735 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(59,188 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(186,547 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">245,735 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(245,735 )</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Net loss from discontinued operations </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(74,436 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(36,398 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(38,038 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">74,436 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(74,436 )</font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Net loss </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (320,171 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (95,586 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (224,585 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 320,171 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (320,171 )</font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td></tr></table>

<p style="margin-top: 0px; margin-bottom: 0px; font-size: 12px;">&nbsp;</p>

<table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center">
<tr><td style="width: 45%;"> </td>
<td style="width: 64pt;"> </td>
<td style="width: 50pt;"> </td>
<td style="width: 55pt;"> </td>
<td style="width: 50pt;"> </td>
<td style="width: 55pt;"> </td></tr>
<tr><td valign="bottom" width="55%" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 0px;"><font style="font-family: Times New Roman;" class="_mt" size="1">Nine months ended</font></p>

<p style="margin-top: 0px; margin-bottom: 0px;"><font style="font-family: Times New Roman;" class="_mt" size="1">January&nbsp;31, 2011</font></p>

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">H&amp;R&nbsp;Block,&nbsp;Inc.<br />(Guarantor)</font>

<p class="rrdsinglerule" align="left">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">BFC<br />(Issuer)</font>

<p class="rrdsinglerule" align="left">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Other<br />Subsidiaries</font>

<p class="rrdsinglerule" align="left">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Eliminations</font>

<p class="rrdsinglerule" align="left">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Consolidated<br />H&amp;R Block</font>

<p class="rrdsinglerule" align="left">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Total revenues </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ &#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 112,423 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 787,298 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ &#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 899,721 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Cost of revenues </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">193,695 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">758,839 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">952,534 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Selling, general and administrative </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">21,689 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">351,212 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">372,901 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Total expenses </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">215,384 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,110,051 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,325,435 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Operating loss </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(102,961 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(322,753 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(425,714 )</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Other income (expense), net </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(416,635 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">4,751 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">4,328 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">416,635 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">9,079 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Loss from continuing operations before tax benefit </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(416,635 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(98,210 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(318,425 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">416,635 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(416,635 )</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Income tax benefit </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(166,349 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(42,278 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(124,071 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">166,349 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(166,349 )</font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Net loss from continuing operations </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(250,286 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(55,932 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(194,354 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">250,286 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(250,286 )</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Net income (loss) from discontinued operations </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(2,165 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(12,617 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">10,452 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">2,165 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(2,165 )</font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Net loss </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (252,451 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (68,549 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (183,902 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 252,451 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (252,451 )</font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td></tr></table>

<div class="MetaData">

<p style="margin-top: 12px; margin-bottom: 0px;"><font style="font-family: Times New Roman;" class="_mt" size="2"><i> </i></font>&nbsp;</p>

<p style="margin-top: 12px; margin-bottom: 0px;"><font style="font-family: Times New Roman;" class="_mt" size="2"><i> </i></font>&nbsp;</p>

<p style="margin-top: 12px; margin-bottom: 0px;"><font style="font-family: Times New Roman;" class="_mt" size="2"><i>Condensed Consolidating Balance Sheets</i><b><i> </i></b></font></p>

<p style="margin-top: 0px; margin-bottom: 0px; font-size: 6px;">&nbsp;</p>

<table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center">
<tr><td style="width: 42%;"> </td>
<td style="width: 64pt;"> </td>
<td style="width: 55pt;"> </td>
<td style="width: 55pt;"> </td>
<td style="width: 58pt;"> </td>
<td style="width: 55pt;"> </td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">(in 000s)</font>

<p class="rrdsinglerule" align="left">&nbsp;</p></td></tr>
<tr><td valign="bottom" width="54%" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 0px;"><font style="font-family: Times New Roman;" class="_mt" size="1">As of January&nbsp;31, 2012</font></p>

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">H&amp;R&nbsp;Block,&nbsp;Inc.<br />(Guarantor)</font>

<p class="rrdsinglerule" align="left">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">BFC</font><br /><font style="font-family: Times New Roman;" class="_mt" size="1">(Issuer)</font>

<p class="rrdsinglerule" align="left">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Other<br />Subsidiaries</font>

<p class="rrdsinglerule" align="left">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Eliminations</font>

<p class="rrdsinglerule" align="left">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Consolidated<br />H&amp;R Block</font>

<p class="rrdsinglerule" align="left">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Cash&nbsp;&amp; cash equivalents </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ &#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 1,065,448 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 153,825 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (289 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 1,218,984 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Cash&nbsp;&amp; cash equivalents &#8211; restricted </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">2,254 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">31,914 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">34,168 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Receivables, net </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">63 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">502,231 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">533,608 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,035,902 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Mortgage loans held for investment </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">430,189 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">430,189 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Intangible assets and goodwill, net </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">701,743 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">701,743 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Investments in subsidiaries </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,694,728 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,706 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(1,694,728 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,706 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Other assets </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">8,841 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">535,743 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">885,513 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,430,097 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Total assets </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 1,703,632 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 2,535,865 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 2,308,309 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (1,695,017 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 4,852,789 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Customer deposits </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ &#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 1,588,277 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ &#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (289 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 1,587,988 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Long-term debt </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">999,235 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">41,002 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,040,237 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Commercial paper borrowings </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">230,947 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">230,947 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">FHLB borrowings </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">25,000 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">25,000 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Other liabilities </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">246 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(108,361 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,270,283 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,162,168 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Net intercompany advances </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">896,937 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">68,684 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(965,621 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Stockholders' equity </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">806,449 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(267,917 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,962,645 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(1,694,728 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">806,449 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Total liabilities and stockholders' equity </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 1,703,632 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 2,535,865 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 2,308,309 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (1,695,017 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 4,852,789 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td></tr></table>

<table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center">
<tr><td style="width: 42%;"> </td>
<td style="width: 64pt;"> </td>
<td style="width: 55pt;"> </td>
<td style="width: 58pt;"> </td>
<td style="width: 58pt;"> </td>
<td style="width: 55pt;"> </td></tr>
<tr><td valign="bottom" width="54%" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 0px;"><font style="font-family: Times New Roman;" class="_mt" size="1">As of April&nbsp;30, 2011</font></p>

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">H&amp;R&nbsp;Block,&nbsp;Inc.<br />(Guarantor)</font>

<p class="rrdsinglerule" align="left">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">BFC</font><br /><font style="font-family: Times New Roman;" class="_mt" size="1">(Issuer)</font>

<p class="rrdsinglerule" align="left">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Other<br />Subsidiaries</font>

<p class="rrdsinglerule" align="left">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Eliminations</font>

<p class="rrdsinglerule" align="left">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Consolidated<br />H&amp;R Block</font>

<p class="rrdsinglerule" align="left">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Cash&nbsp;&amp; cash equivalents </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ &#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 616,238 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 1,061,656 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (50 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 1,677,844 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Cash&nbsp;&amp; cash equivalents &#8211; restricted </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">9,522 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">38,861 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">48,383 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Receivables, net </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">88 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">102,011 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">128,073 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">230,172 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Mortgage loans held for investment, net </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">485,008 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">485,008 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Intangible assets and goodwill, net </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">709,493 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">709,493 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Investments in subsidiaries </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">2,699,555 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">32 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(2,699,555 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">32 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Assets held for sale </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">900,328 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">900,328 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Other assets </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">13,613 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">469,461 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">755,119 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,238,193 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Total assets </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 2,713,256 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 1,682,240 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 3,593,562 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (2,699,605 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 5,289,453 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Customer deposits </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ &#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 852,270 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ &#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (50 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 852,220 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Long&#8211;term debt </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">998,965 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">41,119 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,040,084 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">FHLB borrowings </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">25,000 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">25,000 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Liabilities held for sale </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">241,562 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">241,562 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Other liabilities </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">178 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(26,769 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,707,604 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,681,013 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Net intercompany advances </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,263,504 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">24,173 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(1,287,677 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Stockholders' equity </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,449,574 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(191,399 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">2,890,954 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(2,699,555 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,449,574 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Total&nbsp;liabilities&nbsp;and&nbsp;stockholders'&nbsp; equity </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 2,713,256 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 1,682,240 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 3,593,562 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (2,699,605 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 5,289,453 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td></tr></table></div></div>

<div class="MetaData">

<p style="margin-top: 12px; margin-bottom: 0px;"><font style="font-family: Times New Roman;" class="_mt" size="2"><i>Condensed Consolidating Statements of Cash Flows </i><i> </i></font></p>

<p style="margin-top: 0px; margin-bottom: 0px; font-size: 12px;">&nbsp;</p>

<table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center">
<tr><td style="width: 43%;"> </td>
<td style="width: 64pt;"> </td>
<td style="width: 55pt;"> </td>
<td style="width: 55pt;"> </td>
<td style="width: 50pt;"> </td>
<td style="width: 58pt;"> </td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">(in 000s)</font>

<p class="rrdsinglerule" align="left">&nbsp;</p></td></tr>
<tr><td valign="bottom" width="52%" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 0px;"><font style="font-family: Times New Roman;" class="_mt" size="1">Nine months ended</font></p>

<p style="margin-top: 0px; margin-bottom: 0px;"><font style="font-family: Times New Roman;" class="_mt" size="1">January&nbsp;31, 2012</font></p>

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">H&amp;R&nbsp;Block,&nbsp;Inc.<br />(Guarantor)</font>

<p class="rrdsinglerule" align="left">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">BFC</font><br /><font style="font-family: Times New Roman;" class="_mt" size="1">(Issuer)</font>

<p class="rrdsinglerule" align="left">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Other<br />Subsidiaries</font>

<p class="rrdsinglerule" align="left">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Eliminations</font>

<p class="rrdsinglerule" align="left">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Consolidated<br />H&amp;R Block</font>

<p class="rrdsinglerule" align="left">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Net cash provided by (used in) operating activities: </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 8,193 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (448,362 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (942,602 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ &#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (1,382,771 )</font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Cash flows from investing:</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Purchases of available&#8211;for&#8211;sale securities </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(178,014 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(178,014 )</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Mortgage loans originated for investment, net </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">35,460 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">35,460 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Purchase property&nbsp;&amp; equipment </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(152 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(71,397 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(71,549 )</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Payments made for business acquisitions, net </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(16,022 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(16,022 )</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Proceeds from sale of businesses, net </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">533,055 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">533,055 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Loans made to franchisees </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(43,649 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(43,649 )</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Repayments from franchisees </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">8,455 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">8,455 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Net intercompany advances </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">322,729 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(322,729 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Other, net </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">47,230 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">8,564 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">55,794 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Net cash provided by (used in) investing activities </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">322,729 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(130,670 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">454,200 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(322,729 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">323,530 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Cash flows from financing:</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Repayments of commercial paper </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(413,221 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(413,221 )</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Proceeds&nbsp;from&nbsp;commercial&nbsp;paper </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">644,168 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">644,168 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Customer banking deposits </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">735,491 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(239 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">735,252 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Dividends paid </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(150,058 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(150,058 )</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Repurchase of common stock </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(180,566 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(180,566 )</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Proceeds from exercise of stock options, net </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(324 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(324 )</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Net intercompany advances </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">61,747 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(384,476 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">322,729 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Other, net </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">26 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">57 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(31,507 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(31,424 )</font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Net cash provided by (used in) financing activities </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(330,922 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,028,242 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(415,983 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">322,490 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">603,827 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Effects of exchange rates on cash </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(3,446 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(3,446 )</font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Net increase (decrease) in cash </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">449,210 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(907,831 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(239 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(458,860 )</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Cash &#8211; beginning of period </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">616,238 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,061,656 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(50 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,677,844 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Cash &#8211; end of period </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ &#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 1,065,448 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 153,825 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (289 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ &nbsp;1,218,984 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td></tr></table>

<p style="margin-top: 12px; margin-bottom: 0px; font-size: 1px;"><font size="3" class="_mt"> </font>&nbsp;</p>

<p style="margin-top: 0px; margin-bottom: 0px; font-size: 12px;">&nbsp;</p>

<table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center">
<tr><td style="width: 43%;"> </td>
<td style="width: 64pt;"> </td>
<td style="width: 58pt;"> </td>
<td style="width: 55pt;"> </td>
<td style="width: 50pt;"> </td>
<td style="width: 58pt;"> </td></tr>
<tr><td valign="bottom" width="55%" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 0px;"><font style="font-family: Times New Roman;" class="_mt" size="1">Nine months ended</font></p>

<p style="margin-top: 0px; margin-bottom: 0px;"><font style="font-family: Times New Roman;" class="_mt" size="1">January&nbsp;31, 2011</font></p>

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">H&amp;R&nbsp;Block,&nbsp;Inc.<br />(Guarantor)</font>

<p class="rrdsinglerule" align="left">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">BFC</font><br /><font style="font-family: Times New Roman;" class="_mt" size="1">(Issuer)</font>

<p class="rrdsinglerule" align="left">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Other</font><br /><font style="font-family: Times New Roman;" class="_mt" size="1">Subsidiaries</font>

<p class="rrdsinglerule" align="left">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Eliminations</font>

<p class="rrdsinglerule" align="left">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Consolidated</font><br /><font style="font-family: Times New Roman;" class="_mt" size="1">H&amp;R Block</font>

<p class="rrdsinglerule" align="left">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Net cash used in operating activities: </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (43,026 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (725,197 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (737,195 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ &#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (1,505,418 )</font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Cash flows from investing:</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Mortgage loans originated for investment, net </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">45,316 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">45,316 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Purchase property&nbsp;&amp; equipment </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(51,198 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(51,198 )</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Payments made for business acquisitions, net </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(50,832 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(50,832 )</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Proceeds from sale of businesses, net </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">62,298 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">62,298 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Loans made to franchisees </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(90,304 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(90,304 )</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Repayments from franchisees </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">9,926 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">9,926 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Net intercompany advances </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">467,873 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(467,873 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Other, net </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">28,612 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">10,039 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">38,651 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Net cash provided by (used in) investing activities </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">467,873 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(6,450 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(29,693 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(467,873 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(36,143 )</font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Cash flows from financing:</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Repayments of short-term borrowings </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(2,654,653 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(2,654,653 )</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Proceeds from short-term borrowings </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">3,286,603 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">3,286,603 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Customer banking deposits </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,003,482 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(1,208 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,002,274 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Dividends paid </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(140,926 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(140,926 )</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Repurchase of common stock </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(283,494 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(283,494 )</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Proceeds from exercise of stock options </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(866 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(866 )</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Net intercompany advances </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(315,752 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(152,121 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">467,873 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Other, net </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">439 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(365 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(10,136 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(10,062 )</font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Net cash provided by (used in) financing activities </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(424,847 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,319,315 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(162,257 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">466,665 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,198,876 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Effects of exchange rates on cash </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">4,330 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">4,330 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Net increase (decrease) in cash </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">587,668 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(924,815 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(1,208 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(338,355 )</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Cash &#8211; beginning of period </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">702,021 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,102,135 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(111 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,804,045 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Cash &#8211; end of period </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ &#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 1,289,689 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 177,320 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (1,319 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 1,465,690 </font></p></td></tr></table></div></div></div> </div><span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for condensed financial information, including the financial position, cash flows, and the results of operations of the registrant (parent company) as of the same dates or for the same periods for which audited consolidated financial statements are being presented. Alternatively, the details of this disclosure can be reported by the specific parent company taxonomy elements, indicating the appropriate date and period contexts in an instance document.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 9<br><br> -Section 06<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 7<br><br> -Section 05<br><br> -Paragraph c<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph c<br><br> -Article 5<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 3<br><br> -Subparagraph (SX 210.12-04)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6881521&amp;loc=d3e24072-122690<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 24<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Article 12<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 810<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6921628&amp;loc=d3e5283-111683<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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          <div style="width: 200px;"><strong>Discontinued Operations<br></strong></div>
        </th>
        <th class="th" colspan="1">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Jan. 31, 2012</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DiscontinuedOperationsAndDisposalGroupsAbstract', window );"><strong>Discontinued Operations [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfDisposalGroupsIncludingDiscontinuedOperationsIncomeStatementBalanceSheetAndAdditionalDisclosuresTextBlock', window );">Discontinued Operations</a></td>
        <td class="text"><div> <p style="margin-top: 18px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2"><b>13. Discontinued Operations </b></font></p>

<p style="margin-top: 6px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">As of January 31, 2012, the results of operations and the related losses on the sale of RSM and MCM businesses are presented as discontinued operations in the condensed consolidated financial statements. Our discontinued operations also include the results of operations of SCC, which exited its mortgage business in fiscal year 2008. </font></p>

<p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">In connection with the sale of RSM and MCM, we indemnified the buyers against certain litigation matters. The indemnities are not subject to a stated term or limit. Accounting Standards Codification 460 &#8211; Guarantees (ASC 460) requires that we recognize a liability for the estimated fair value of guarantee and indemnification obligations at the inception of the arrangement. We have estimated an aggregate fair value of $<font class="_mt">6.0</font> million related to these indemnifications and recorded a liability in that amount as of the date of the sales. Subsequent changes in this liability will be determined in accordance with ASC 460 and ASC 450 &#8211; Loss Contingencies and recorded in discontinued operations. </font></p>

<p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">The results of operations of our discontinued operations are as follows: </font></p>

<p style="margin-top: 0px; margin-bottom: 0px; font-size: 12px;">&nbsp;</p>

<table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="92%" align="center">
<tr><td style="width: 50%;"> </td>
<td style="width: 50pt;"> </td>
<td style="width: 52pt;"> </td>
<td style="width: 55pt;"> </td>
<td style="width: 52pt;"> </td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1"><b> </b>(in 000s)</font></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Three&nbsp;months&nbsp;ended&nbsp;January&nbsp;31,</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Nine&nbsp;months&nbsp;ended&nbsp;January&nbsp;31,</font></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">2012</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">2011</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">2012</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">2011</font></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Revenues </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 50,508 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 171,071 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 416,436 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 549,180 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Pretax income (loss) from operations:</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">RSM and related businesses </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 1,117 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 8,327 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 18,831 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 15,228 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Mortgage </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(27,385 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(10,551 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(54,019 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(17,125 )</font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(26,268 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(2,224 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(35,188 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(1,897 )</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Income taxes (benefit) </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(6,462 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(537 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(10,268 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">268 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Net income (loss) from operations </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(19,806 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(1,687 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(24,920 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(2,165 )</font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Pretax loss on sales of businesses </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(236 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(109,485 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Income tax benefit </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(20,260 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(59,969 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Net gain (loss) on sales of businesses </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">20,024 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(49,519 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Net income (loss) from discontinued operations </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 218 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (1,687 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (74,436 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (2,165 )</font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td></tr></table>

<p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">The sale of RSM resulted in a pretax financial statement loss, but produced a gain for tax purposes. The tax gain resulted primarily from larger amortization deductions taken for tax purposes than for financial statement purposes. A portion of the gain from the sale of intangible assets is capital in nature and can be offset by utilization of capital loss carry forwards. A net income tax benefit of $<font class="_mt">20.5</font> million was recorded in discontinued operations related to the sale.</font></p> </div><span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
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                <p>Tabular disclosure of disposal groups, which may include the gain (loss) recognized in the income statement and the income statement caption that includes that gain (loss), amounts of revenues and pretax profit or loss reported in discontinued operations, the classification and carrying value of the assets and liabilities comprising the disposal group, and the segment in which the disposal group was reported. Also may include the amount of adjustments to amounts previously reported in discontinued operations such as resolution of contingencies arising from the disposal transaction or the operations of the component prior to disposal.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 205<br><br> -SubTopic 20<br><br> -Section 45<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6892542&amp;loc=d3e957-107759<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 205<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6360339&amp;loc=d3e1474-107760<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 144<br><br> -Paragraph 43, 44, 45, 47, 48<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 360<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 5<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6390789&amp;loc=d3e2443-110228<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 205<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6360339&amp;loc=d3e1361-107760<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 205<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 5<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6360339&amp;loc=d3e1510-107760<br><br><br><br></p>
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                    <td><strong> Name:</strong></td>
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<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EFPBI">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Condensed Consolidating Financial Statements (Schedule Of Condensed Consolidating Statements Of Cash Flows) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="2">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Jan. 31, 2012</div>
        </th>
        <th class="th">
          <div>Jan. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInOperatingActivities', window );">Net cash provided by (used in) operating activities:</a></td>
        <td class="num">$ (1,382,771)<span></span></td>
        <td class="num">$ (1,505,418)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsToAcquireAvailableForSaleSecurities', window );">Purchases of available-for-sale securities</a></td>
        <td class="num">(178,014)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsForProceedsFromLoansReceivable', window );">Mortgage loans originated for investment, net</a></td>
        <td class="nump">35,460<span></span></td>
        <td class="nump">45,316<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment', window );">Purchase property &amp; equipment</a></td>
        <td class="num">(71,549)<span></span></td>
        <td class="num">(51,198)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsToAcquireBusinessesNetOfCashAcquired', window );">Payments made for business acquisitions, net</a></td>
        <td class="num">(16,022)<span></span></td>
        <td class="num">(50,832)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromDivestitureOfBusinessesNetOfCashDivested', window );">Proceeds from sales of businesses, net</a></td>
        <td class="nump">533,055<span></span></td>
        <td class="nump">62,298<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_PaymentsForLoansMadeToFranchisees', window );">Loans made to franchisees</a></td>
        <td class="num">(43,649)<span></span></td>
        <td class="num">(90,304)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_ProceedsFromCollectionOfFranchiseLoansReceivable', window );">Repayments from franchisees</a></td>
        <td class="nump">8,455<span></span></td>
        <td class="nump">9,926<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsForProceedsFromOtherInvestingActivities', window );">Other, net</a></td>
        <td class="nump">55,794<span></span></td>
        <td class="nump">38,651<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInInvestingActivities', window );">Net cash provided by (used in) investing activities</a></td>
        <td class="nump">323,530<span></span></td>
        <td class="num">(36,143)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RepaymentsOfCommercialPaper', window );">Repayments of commercial paper</a></td>
        <td class="num">(413,221)<span></span></td>
        <td class="num">(2,654,653)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromRepaymentsOfCommercialPaper', window );">Proceeds from commercial paper</a></td>
        <td class="nump">644,168<span></span></td>
        <td class="nump">3,286,603<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RepaymentsOfShortTermDebt', window );">Repayments of short-term borrowings</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(2,654,653)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromShortTermDebt', window );">Proceeds from short-term borrowings</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">3,286,603<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInDeposits', window );">Customer banking deposits</a></td>
        <td class="nump">735,252<span></span></td>
        <td class="nump">1,002,274<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsOfDividends', window );">Dividends paid</a></td>
        <td class="num">(150,058)<span></span></td>
        <td class="num">(140,926)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_PaymentsForRepurchaseOfCommonStockIncludingSharesSurrendered', window );">Repurchase of common stock</a></td>
        <td class="num">(180,566)<span></span></td>
        <td class="num">(283,494)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromStockOptionsExercised', window );">Proceeds from exercise of stock options, net</a></td>
        <td class="num">(324)<span></span></td>
        <td class="num">(866)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromPaymentsForOtherFinancingActivities', window );">Other, net</a></td>
        <td class="num">(31,424)<span></span></td>
        <td class="num">(10,062)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInFinancingActivities', window );">Net cash provided by (used in) financing activities</a></td>
        <td class="nump">603,827<span></span></td>
        <td class="nump">1,198,876<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EffectOfExchangeRateOnCashAndCashEquivalents', window );">Effects of exchange rates on cash</a></td>
        <td class="num">(3,446)<span></span></td>
        <td class="nump">4,330<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease', window );">Net increase (decrease) in cash</a></td>
        <td class="num">(458,860)<span></span></td>
        <td class="num">(338,355)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">Cash and cash equivalents at beginning of the period</a></td>
        <td class="nump">1,677,844<span></span></td>
        <td class="nump">1,804,045<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">Cash and cash equivalents at end of the period</a></td>
        <td class="nump">1,218,984<span></span></td>
        <td class="nump">1,465,690<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">H&amp;R Block, Inc. (Guarantor) [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInOperatingActivities', window );">Net cash provided by (used in) operating activities:</a></td>
        <td class="nump">8,193<span></span></td>
        <td class="num">(43,026)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_NetIntercompanyAdvancesInvestingActivities', window );">Net intercompany advances</a></td>
        <td class="nump">322,729<span></span></td>
        <td class="nump">467,873<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInInvestingActivities', window );">Net cash provided by (used in) investing activities</a></td>
        <td class="nump">322,729<span></span></td>
        <td class="nump">467,873<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsOfDividends', window );">Dividends paid</a></td>
        <td class="num">(150,058)<span></span></td>
        <td class="num">(140,926)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_PaymentsForRepurchaseOfCommonStockIncludingSharesSurrendered', window );">Repurchase of common stock</a></td>
        <td class="num">(180,566)<span></span></td>
        <td class="num">(283,494)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromStockOptionsExercised', window );">Proceeds from exercise of stock options, net</a></td>
        <td class="num">(324)<span></span></td>
        <td class="num">(866)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromPaymentsForOtherFinancingActivities', window );">Other, net</a></td>
        <td class="nump">26<span></span></td>
        <td class="nump">439<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInFinancingActivities', window );">Net cash provided by (used in) financing activities</a></td>
        <td class="num">(330,922)<span></span></td>
        <td class="num">(424,847)<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">BFC (Issuer) [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInOperatingActivities', window );">Net cash provided by (used in) operating activities:</a></td>
        <td class="num">(448,362)<span></span></td>
        <td class="num">(725,197)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsToAcquireAvailableForSaleSecurities', window );">Purchases of available-for-sale securities</a></td>
        <td class="num">(178,014)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsForProceedsFromLoansReceivable', window );">Mortgage loans originated for investment, net</a></td>
        <td class="nump">35,460<span></span></td>
        <td class="nump">45,316<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment', window );">Purchase property &amp; equipment</a></td>
        <td class="num">(152)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_PaymentsForLoansMadeToFranchisees', window );">Loans made to franchisees</a></td>
        <td class="num">(43,649)<span></span></td>
        <td class="num">(90,304)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_ProceedsFromCollectionOfFranchiseLoansReceivable', window );">Repayments from franchisees</a></td>
        <td class="nump">8,455<span></span></td>
        <td class="nump">9,926<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsForProceedsFromOtherInvestingActivities', window );">Other, net</a></td>
        <td class="nump">47,230<span></span></td>
        <td class="nump">28,612<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInInvestingActivities', window );">Net cash provided by (used in) investing activities</a></td>
        <td class="num">(130,670)<span></span></td>
        <td class="num">(6,450)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RepaymentsOfCommercialPaper', window );">Repayments of commercial paper</a></td>
        <td class="num">(413,221)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromRepaymentsOfCommercialPaper', window );">Proceeds from commercial paper</a></td>
        <td class="nump">644,168<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_RepaymentsOfShortTermDebt', window );">Repayments of short-term borrowings</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(2,654,653)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromShortTermDebt', window );">Proceeds from short-term borrowings</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">3,286,603<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInDeposits', window );">Customer banking deposits</a></td>
        <td class="nump">735,491<span></span></td>
        <td class="nump">1,003,482<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_NetIntercompanyAdvancesFinancingActivities', window );">Net intercompany advances</a></td>
        <td class="nump">61,747<span></span></td>
        <td class="num">(315,752)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromPaymentsForOtherFinancingActivities', window );">Other, net</a></td>
        <td class="nump">57<span></span></td>
        <td class="num">(365)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInFinancingActivities', window );">Net cash provided by (used in) financing activities</a></td>
        <td class="nump">1,028,242<span></span></td>
        <td class="nump">1,319,315<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease', window );">Net increase (decrease) in cash</a></td>
        <td class="nump">449,210<span></span></td>
        <td class="nump">587,668<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">Cash and cash equivalents at beginning of the period</a></td>
        <td class="nump">616,238<span></span></td>
        <td class="nump">702,021<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">Cash and cash equivalents at end of the period</a></td>
        <td class="nump">1,065,448<span></span></td>
        <td class="nump">1,289,689<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Other Subsidiaries [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInOperatingActivities', window );">Net cash provided by (used in) operating activities:</a></td>
        <td class="num">(942,602)<span></span></td>
        <td class="num">(737,195)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment', window );">Purchase property &amp; equipment</a></td>
        <td class="num">(71,397)<span></span></td>
        <td class="num">(51,198)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsToAcquireBusinessesNetOfCashAcquired', window );">Payments made for business acquisitions, net</a></td>
        <td class="num">(16,022)<span></span></td>
        <td class="num">(50,832)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromDivestitureOfBusinessesNetOfCashDivested', window );">Proceeds from sales of businesses, net</a></td>
        <td class="nump">533,055<span></span></td>
        <td class="nump">62,298<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PaymentsForProceedsFromOtherInvestingActivities', window );">Other, net</a></td>
        <td class="nump">8,564<span></span></td>
        <td class="nump">10,039<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInInvestingActivities', window );">Net cash provided by (used in) investing activities</a></td>
        <td class="nump">454,200<span></span></td>
        <td class="num">(29,693)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_NetIntercompanyAdvancesFinancingActivities', window );">Net intercompany advances</a></td>
        <td class="num">(384,476)<span></span></td>
        <td class="num">(152,121)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProceedsFromPaymentsForOtherFinancingActivities', window );">Other, net</a></td>
        <td class="num">(31,507)<span></span></td>
        <td class="num">(10,136)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInFinancingActivities', window );">Net cash provided by (used in) financing activities</a></td>
        <td class="num">(415,983)<span></span></td>
        <td class="num">(162,257)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_EffectOfExchangeRateOnCashAndCashEquivalents', window );">Effects of exchange rates on cash</a></td>
        <td class="num">(3,446)<span></span></td>
        <td class="nump">4,330<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease', window );">Net increase (decrease) in cash</a></td>
        <td class="num">(907,831)<span></span></td>
        <td class="num">(924,815)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">Cash and cash equivalents at beginning of the period</a></td>
        <td class="nump">1,061,656<span></span></td>
        <td class="nump">1,102,135<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">Cash and cash equivalents at end of the period</a></td>
        <td class="nump">153,825<span></span></td>
        <td class="nump">177,320<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Eliminations [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_NetIntercompanyAdvancesInvestingActivities', window );">Net intercompany advances</a></td>
        <td class="num">(322,729)<span></span></td>
        <td class="num">(467,873)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInInvestingActivities', window );">Net cash provided by (used in) investing activities</a></td>
        <td class="num">(322,729)<span></span></td>
        <td class="num">(467,873)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncreaseDecreaseInDeposits', window );">Customer banking deposits</a></td>
        <td class="num">(239)<span></span></td>
        <td class="num">(1,208)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_NetIntercompanyAdvancesFinancingActivities', window );">Net intercompany advances</a></td>
        <td class="nump">322,729<span></span></td>
        <td class="nump">467,873<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetCashProvidedByUsedInFinancingActivities', window );">Net cash provided by (used in) financing activities</a></td>
        <td class="nump">322,490<span></span></td>
        <td class="nump">466,665<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease', window );">Net increase (decrease) in cash</a></td>
        <td class="num">(239)<span></span></td>
        <td class="num">(1,208)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">Cash and cash equivalents at beginning of the period</a></td>
        <td class="num">(50)<span></span></td>
        <td class="num">(111)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CashAndCashEquivalentsAtCarryingValue', window );">Cash and cash equivalents at end of the period</a></td>
        <td class="num">$ (289)<span></span></td>
        <td class="num">$ (1,319)<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_hrb_NetIntercompanyAdvancesFinancingActivities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Net Intercompany Advances Financing Activities</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_NetIntercompanyAdvancesFinancingActivities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>hrb_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_hrb_NetIntercompanyAdvancesInvestingActivities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Net Intercompany Advances Investing Activities</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_NetIntercompanyAdvancesInvestingActivities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>hrb_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_hrb_PaymentsForLoansMadeToFranchisees">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Payments For Loans Made To Franchisees</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_PaymentsForLoansMadeToFranchisees</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>hrb_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_hrb_PaymentsForRepurchaseOfCommonStockIncludingSharesSurrendered">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Payments for repurchase of common stock, including shares surrendered</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_PaymentsForRepurchaseOfCommonStockIncludingSharesSurrendered</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>hrb_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_hrb_ProceedsFromCollectionOfFranchiseLoansReceivable">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Proceeds from Collection of Franchise Loans Receivable</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_ProceedsFromCollectionOfFranchiseLoansReceivable</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>hrb_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndCashEquivalentsAtCarryingValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Includes currency on hand as well as demand deposits with banks or financial institutions. It also includes other kinds of accounts that have the general characteristics of demand deposits in that the Entity may deposit additional funds at any time and also effectively may withdraw funds at any time without prior notice or penalty. Cash equivalents, excluding items classified as marketable securities, include short-term, highly liquid investments that are both readily convertible to known amounts of cash, and so near their maturity that they present minimal risk of changes in value because of changes in interest rates. Generally, only investments with original maturities of three months or less qualify under that definition. Original maturity means original maturity to the entity holding the investment. For example, both a three-month US Treasury bill and a three-year Treasury note purchased three months from maturity qualify as cash equivalents. However, a Treasury note purchased three years ago does not become a cash equivalent when its remaining maturity is three months. Compensating balance arrangements that do not legally restrict the withdrawal or usage of cash amounts may be reported as Cash and Cash Equivalents, while legally restricted deposits held as compensating balances against borrowing arrangements, contracts entered into with others, or company statements of intention with regard to particular deposits are not generally reported as cash and cash equivalents. Includes cash and cash equivalents associated with the entity's continuing operations. Excludes cash and cash equivalents associated with the disposal group (and discontinued operation).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 1<br><br> -Article 5<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 7<br><br> -Footnote 1<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3044-108585<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 8, 9<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 1<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6361293&amp;loc=d3e6676-107765<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Cash<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6506951<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 7, 26<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Cash Equivalents<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6507016<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CashAndCashEquivalentsAtCarryingValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The increase (decrease) during the reporting period in cash and cash equivalents. While for technical reasons this element has no balance attribute, the default assumption is a debit balance consistent with its label.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 26<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 24<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3521-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CashAndCashEquivalentsPeriodIncreaseDecrease</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_EffectOfExchangeRateOnCashAndCashEquivalents">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The effect of exchange rate changes on cash balances held in foreign currencies.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 25<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 830<br><br> -SubTopic 230<br><br> -Section 45<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6450594&amp;loc=d3e33268-110906<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_EffectOfExchangeRateOnCashAndCashEquivalents</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncreaseDecreaseInDeposits">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net cash inflow or outflow for the increase (decrease) in the beginning and end of period deposits balances.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 13<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 8<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3095-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 230<br><br> -Section 45<br><br> -Paragraph 1<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6477933&amp;loc=d3e60009-112784<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncreaseDecreaseInDeposits</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInFinancingActivities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net cash inflow or outflow from financing activity for the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 26<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 24<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3521-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 26<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3574-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetCashProvidedByUsedInFinancingActivities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInInvestingActivities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net cash inflow or outflow from investing activity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 26<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 24<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3521-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 26<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3574-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetCashProvidedByUsedInInvestingActivities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetCashProvidedByUsedInOperatingActivities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net cash from (used in) all of the entity's operating activities, including those of discontinued operations, of the reporting entity. Operating activities generally involve producing and delivering goods and providing services. Operating activity cash flows include transactions, adjustments, and changes in value that are not defined as investing or financing activities. While for technical reasons this element has no balance attribute, the default assumption is a debit balance consistent with its label.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 24<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3521-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 25<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3536-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 28<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 26<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_NetCashProvidedByUsedInOperatingActivities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsForProceedsFromLoansReceivable">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net amount paid or received by the reporting entity associated with purchase (sale or collection) of loans receivable arising from the financing of goods and services.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 13<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 8<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3095-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 9<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3098-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PaymentsForProceedsFromLoansReceivable</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsForProceedsFromOtherInvestingActivities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net cash outflow or inflow from other investing activities. This element is used when there is not a more specific and appropriate element in the taxonomy.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 8<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3095-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 15<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Investing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6516133<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 9<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3098-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PaymentsForProceedsFromOtherInvestingActivities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsOfDividends">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash outflow from the entity's earnings to the shareholders.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 15<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3291-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 18<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 20<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Financing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6513228<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PaymentsOfDividends</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsToAcquireAvailableForSaleSecurities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash outflow to acquire debt and equity securities not classified as either held-to-maturity securities or trading securities which would be classified as available-for-sale securities and reported at fair value, with unrealized gains and losses excluded from earnings and reported in a separate component of shareholders' equity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 17<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Investing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6516133<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 15<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 13<br><br> -Subparagraph (a),(b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3213-108585<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 17<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 18<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 11<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6871852&amp;loc=d3e26853-111562<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PaymentsToAcquireAvailableForSaleSecurities</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsToAcquireBusinessesNetOfCashAcquired">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash outflow associated with the acquisition of a business, net of the cash acquired from the purchase.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 15, 17<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Investing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6516133<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 13<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3213-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PaymentsToAcquireBusinessesNetOfCashAcquired</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_PaymentsToAcquirePropertyPlantAndEquipment">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash outflow associated with the acquisition of long-lived, physical assets that are used in the normal conduct of business to produce goods and services and not intended for resale; includes cash outflows to pay for construction of self-constructed assets.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 13<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3213-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 15<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 17<br><br> -Subparagraph c<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Investing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6516133<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_PaymentsToAcquirePropertyPlantAndEquipment</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromDivestitureOfBusinessesNetOfCashDivested">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This element represents the cash inflow during the period from the sale of a component of the entity.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 15, 16<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Investing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6516133<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 12<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3179-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ProceedsFromDivestitureOfBusinessesNetOfCashDivested</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProceedsFromPaymentsForOtherFinancingActivities">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net cash inflow or outflow from other financing activities. This element is used when there is not a more specific and appropriate element in the taxonomy.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 8<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3095-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 18, 19, 20<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Financing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6513228<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 9<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3098-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The net cash inflow or cash outflow from issuing (borrowing) and repaying commercial paper.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Name Accounting Standards Codification<br><br> -Publisher FASB<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 9<br><br> -Subparagraph c<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3098-108585<br><br><br><br></p>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash inflow from a borrowing having initial term of repayment within one year or the normal operating cycle, if longer.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 14<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3255-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 18<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 19<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Financing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6513228<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash inflow associated with the amount received from holders exercising their stock options. This item inherently excludes any excess tax benefit, which the entity may have realized and reported separately.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Financing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6513228<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 718<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (j)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6415400&amp;loc=d3e5070-113901<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 123R<br><br> -Paragraph A240<br><br> -Subparagraph i<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 14<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3255-108585<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 18<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 19<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash outflow due to repaying amounts borrowed by issuing commercial paper.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 15<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3291-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 18<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 20<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Financing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6513228<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The cash outflow for a borrowing having initial term of repayment within one year or the normal operating cycle, if longer.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 15<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3291-108585<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 18<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 20<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Financing Activities<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6513228<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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          <div style="width: 200px;"><strong>Income Taxes<br></strong></div>
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        <th class="th" colspan="1">9 Months Ended</th>
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          <div>Jan. 31, 2012</div>
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        <td class="text">&#xA0;<span></span></td>
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        <td class="text"><div> <p style="margin-top: 18px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2"><b>9. Income Taxes</b> </font></p>

<p style="margin-top: 6px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" 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 2010 are currently under examination by the Internal Revenue Service, with the 1999-2007 years currently at the appellate level. Federal returns for tax years prior to 1999 are closed by statute. Historically, tax returns in various foreign and state jurisdictions are examined and settled upon completion of the exam. </font></p>

<p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">We had gross unrecognized tax benefits of $<font class="_mt">199.2</font> million and $<font class="_mt">154.8</font> million at January 31, 2012 and April 30, 2011, respectively. The gross unrecognized tax benefits increased $<font class="_mt">44.4</font> million net in the current year, due primarily to accruals of tax on positions related to current and prior years partially offset by statute of limitations expirations and settlements with taxing authorities. A majority of the tax expense related to the increase in unrecognized benefits is recorded in discontinued operations as it relates to operations that have been discontinued and/or disposed. Except as noted below, we have classified the liability for unrecognized tax benefits, including corresponding accrued interest, as long-term at January 31, 2012, and included this amount in other noncurrent liabilities on the condensed consolidated balance sheet. </font></p>

<p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" 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 unrecognized tax benefits may decrease by approximately $<font class="_mt">3.5</font> million within the twelve month period after January 31, 2012. This portion of our liability for unrecognized tax benefits has been classified as current and is included in accounts payable, accrued expenses and other current liabilities on the condensed consolidated balance sheets. </font></p> </div><span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for income taxes. Disclosures may include net deferred tax liability or asset recognized in an enterprise's statement of financial position, net change during the year in the total valuation allowance, approximate tax effect of each type of temporary difference and carryforward that gives rise to a significant portion of deferred tax liabilities and deferred tax assets, utilization of a tax carryback, and tax uncertainties information.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32537-109319<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 109<br><br> -Paragraph 136, 172<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 109<br><br> -Paragraph 43, 44, 45, 46, 47, 48, 49<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 08<br><br> -Paragraph h<br><br> -Article 4<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32559-109319<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32639-109319<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 15<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32718-109319<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(h))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6881521&amp;loc=d3e23780-122690<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EFOAG">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>Investments In Available-For-Sale Securities (Amortized Cost And Fair Value Of Securities Available-For-Sale) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="2">
          <div>Jan. 31, 2012</div>
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        <th class="th" colspan="2">
          <div>Apr. 30, 2011</div>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems', window );"><strong>Schedule of Available-for-sale Securities [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
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        <td class="nump">$ 310,780<span></span></td>
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        <td class="nump">$ 166,305<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableforsaleSecuritiesGrossUnrealizedGain', window );">Investments in available-for-sale securities, Gross Unrealized Gains</a></td>
        <td class="nump">3,694<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="nump">806<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesGrossUnrealizedLosses1', window );">Gross Unrealized Losses</a></td>
        <td class="num">(287)<span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
        <td class="num">(194)<span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesFairValueDisclosure', window );">Investments in available-for-sale securities, Fair Value</a></td>
        <td class="nump">314,187<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="nump">166,917<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
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          <div class="a">Short-Term [Member] | Municipal Bonds [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems', window );"><strong>Schedule of Available-for-sale Securities [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAmortizedCost', window );">Investments in available-for-sale securities, Amortized Cost</a></td>
        <td class="nump">2,001<span></span></td>
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        <td class="nump">3,023<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableforsaleSecuritiesGrossUnrealizedGain', window );">Investments in available-for-sale securities, Gross Unrealized Gains</a></td>
        <td class="nump">3<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="nump">58<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesFairValueDisclosure', window );">Investments in available-for-sale securities, Fair Value</a></td>
        <td class="nump">2,004<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="nump">3,081<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Long-Term [Member]</div>
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        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems', window );"><strong>Schedule of Available-for-sale Securities [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="nump">308,779<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="nump">163,282<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableforsaleSecuritiesGrossUnrealizedGain', window );">Investments in available-for-sale securities, Gross Unrealized Gains</a></td>
        <td class="nump">3,691<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="nump">748<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
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        <td class="num">(287)<span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
        <td class="num">(194)<span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesFairValueDisclosure', window );">Investments in available-for-sale securities, Fair Value</a></td>
        <td class="nump">312,183<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="nump">163,836<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
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          <div class="a">Long-Term [Member] | Municipal Bonds [Member]</div>
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        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems', window );"><strong>Schedule of Available-for-sale Securities [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
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        <td class="nump">5,260<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="nump">5,312<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableforsaleSecuritiesGrossUnrealizedGain', window );">Investments in available-for-sale securities, Gross Unrealized Gains</a></td>
        <td class="nump">448<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="nump">347<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesFairValueDisclosure', window );">Investments in available-for-sale securities, Fair Value</a></td>
        <td class="nump">5,708<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="nump">5,659<span></span></td>
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          <div class="a">Long-Term [Member] | Mortgage-Backed Securities [Member]</div>
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        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
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      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfAvailableForSaleSecuritiesLineItems', window );"><strong>Schedule of Available-for-sale Securities [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesAmortizedCost', window );">Investments in available-for-sale securities, Amortized Cost</a></td>
        <td class="nump">303,519<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="nump">157,970<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableforsaleSecuritiesGrossUnrealizedGain', window );">Investments in available-for-sale securities, Gross Unrealized Gains</a></td>
        <td class="nump">3,243<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
        <td class="nump">401<span></span></td>
        <td class="fn" style="border-bottom: 0px;"></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesGrossUnrealizedLosses1', window );">Gross Unrealized Losses</a></td>
        <td class="num">(287)<span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
        <td class="num">(194)<span></span></td>
        <td class="fn" style="border-bottom: 0px;"><sup>[1]</sup></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AvailableForSaleSecuritiesFairValueDisclosure', window );">Investments in available-for-sale securities, Fair Value</a></td>
        <td class="nump">$ 306,475<span></span></td>
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              <td style="vertical-align: top;" valign="top">[1]</td>
              <td style="vertical-align: top;" valign="top">At January 31, 2012 and April 30, 2011, we had no investments that had been in a continuous loss position for more than twelve months.</td>
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                <p>This item represents the cost of debt and equity securities, which are categorized neither as held-to-maturity nor trading, net of adjustments including accretion, amortization, collection of cash, previous other-than-temporary impairments recognized in earnings (less any cumulative-effect adjustments recognized, as defined), and fair value hedge accounting adjustments, if any.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name FASB Staff Position (FSP)<br><br> -Number FAS115-1/124-1<br><br> -Paragraph 7<br><br> -Footnote 2<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 19<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
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                <p>This element represents the portion of the balance sheet assertion valued at fair value by the entity whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally, this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure in the same submission. This item represents Available-for-sale Securities which consist of all investments in certain debt and equity securities neither classified as trading or held-to-maturity securities. A debt security represents a creditor relationship with an enterprise. Debt securities include, among other items, US Treasury securities, US government securities, municipal securities, corporate bonds, convertible debt, commercial paper, and all securitized debt instruments. An equity security represents an ownership interest in an enterprise or the right to acquire or dispose of an ownership interest in an enterprise at fixed or determinable prices. Equity securities include, among other things, common stock, certain preferred stock, warrant rights, call options, and put options, but do not include convertible debt. An entity may opt to provide the reader with additional narrative text to better understand the nature of investments in debt and equity securities which are categorized as Available-for-sale.</p>
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                <p>This item represents the gross unrealized gains for securities, at a point in time, which are categorized neither as held-to-maturity nor trading securities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 133<br><br> -Paragraph 22<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 115<br><br> -Paragraph 13, 19<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 320<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6872113&amp;loc=d3e27161-111563<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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          <div style="width: 200px;"><strong>Goodwill And Intangible Assets<br></strong></div>
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        <th class="th" colspan="1">9 Months Ended</th>
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      <tr>
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          <div>Jan. 31, 2012</div>
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        <td class="text">&#xA0;<span></span></td>
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        <td class="text"><div> <p style="margin-top: 18px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2"><b>7. Goodwill and Intangible Assets</b> </font></p>

<p style="margin-top: 6px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">Changes in the carrying amount of the goodwill of our continuing operations for the nine months ended January 31, 2012 consist of the following: </font></p>

<p style="margin-top: 0px; margin-bottom: 0px; font-size: 12px;">&nbsp;</p>

<table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="68%" align="center">
<tr><td style="width: 57%;"> </td>
<td style="width: 56pt;"> </td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"><font style="font-family: Times New Roman;" class="_mt" size="1">(in 000s)</font> </td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Tax&nbsp;Services</font> </td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Balance at April&nbsp;30, 2011:</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Goodwill </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 459,039 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Accumulated impairment losses </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(24,888 )</font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">434,151 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Changes:</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Acquisitions </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">9,506 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Disposals and foreign currency changes </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(5,805 )</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Impairments </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(4,257 )</font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Balance at January&nbsp;31, 2012:</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Goodwill </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">462,740 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Accumulated impairment losses </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(29,145 )</font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 433,595 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td></tr></table>

<p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">In the current year, we discontinued service under our ExpressTax brand. As a result, we recorded an impairment of the reporting unit's goodwill, which totaled $<font class="_mt">4.3</font> million. </font></p>

<p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" 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. </font></p>

<p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">Intangible assets of our continuing operations consist of the following: </font></p>

<p style="margin-top: 0px; margin-bottom: 0px; font-size: 12px;">&nbsp;</p>

<table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center">
<tr><td style="width: 40%;"> </td>
<td style="width: 47pt;"> </td>
<td style="width: 52pt;"> </td>
<td style="width: 50pt;"> </td>
<td style="width: 47pt;"> </td>
<td style="width: 52pt;"> </td>
<td style="width: 47pt;"> </td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"><font style="font-family: Times New Roman;" class="_mt" size="1"><b> </b>(in 000s)<b> </b></font></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="3" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">January&nbsp;31, 2012</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="3" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">April&nbsp;30, 2011</font> </td></tr>
<tr><td valign="bottom" width="54%" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 0px;"><font style="font-family: Times New Roman;" class="_mt" size="1">As of</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Gross<br />Carrying<br />Amount</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Accumulated<br />Amortization</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Net</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Gross<br />Carrying<br />Amount</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Accumulated<br />Amortization</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Net</font> </td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Tax Services:</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Customer relationships </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 90,355 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (44,805 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 45,550 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 87,624 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (41,076 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 46,548 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Noncompete agreements </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">23,725 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(22,628 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,097 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">23,456 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(22,059 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,397 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Reacquired franchise rights </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">214,330 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(13,052 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">201,278 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">214,330 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(9,961 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">204,369 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Franchise agreements </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">19,201 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(4,053 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">15,148 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">19,201 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(3,093 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">16,108 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Purchased technology </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">14,700 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(10,200 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">4,500 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">14,700 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(8,505 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">6,195 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Trade name </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,325 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(750 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">575 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,325 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(600 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">725 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 363,636 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (95,488 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ &nbsp;268,148 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 360,636 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (85,294 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 275,342 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td></tr></table>

<p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">Amortization of intangible assets of our continuing operations for the three and nine months ended January 31, 2012 was $<font class="_mt">4.7</font> and $<font class="_mt">15.2</font> million, respectively. Additionally, we recorded an impairment of customer relationships of $<font class="_mt">4.0</font> million, related to the discontinuation of our ExpressTax brand, as discussed above. Amortization of intangible assets of our continuing operations for the three and nine months ended January 31, 2011 was $<font class="_mt">4.5</font> and $<font class="_mt">12.8</font> million, respectively. Estimated amortization of intangible assets for fiscal years 2012 through 2016 is $<font class="_mt">17.7</font> million, $<font class="_mt">16.5</font> million, $<font class="_mt">14.6</font> million, $<font class="_mt">11.3</font> million and $<font class="_mt">10.7</font> million, respectively.</font></p> </div><span></span></td>
      </tr>
    </table>
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                    <td><strong> Name:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for the aggregate amount of goodwill and a description of intangible assets, which may include (a) for amortizable intangible assets (also referred to as finite-lived intangible assets), the carrying amount, the amount of any significant residual value, and the weighted-average amortization period, (b) for intangible assets not subject to amortization (also referred to as indefinite-lived intangible assets), the carrying amount, and (c) the amount of research and development assets acquired and written off in the period, including the line item in the income statement in which the amounts written off are aggregated, if not readily apparent from the income statement. Also discloses (a) for amortizable intangibles assets in total and by major class, the gross carrying amount and accumulated amortization, the total amortization expense for the period, and the estimated aggregate amortization expense for each of the five succeeding fiscal years, (b) for intangible assets not subject to amortization the carrying amount in total and by major class, and (c) for goodwill, in total and for each reportable segment, the changes in the carrying amount of goodwill during the period (including the aggregate amount of goodwill acquired, the aggregate amount of impairment losses recognized, and the amount of goodwill included in the gain (loss) on disposal of a reporting unit). If any part of goodwill has not been allocated to a reportable segment, discloses the unallocated amount and the reasons for not allocating. For each impairment loss recognized related to an intangible asset (excluding goodwill), discloses: (a) a description of the impaired intangible asset and the facts and circumstances leading to the impairment, (b) the amount of the impairment loss and the method for determining fair value, (c) the caption in the income statement or the statement of activities in which the impairment loss is aggregated, and (d) the segment in which the impaired intangible asset is reported. For each goodwill impairment loss recognized, discloses: (a) a description of the facts and circumstances leading to the impairment, (b) the amount of the impairment loss and the method of determining the fair value of the associated reporting unit, and (c) if a recognized impairment loss is an estimate not finalized and the reasons why the estimate is not final.  May also disclose the nature and amount of any significant adjustments made to a previous estimate of an impairment loss.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6905597&amp;loc=d3e13816-109267<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 30<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6905858&amp;loc=d3e16265-109275<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 142<br><br> -Paragraph 42, 43, 44, 45, 46, 47<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 30<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6905858&amp;loc=d3e16373-109275<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 30<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6905858&amp;loc=d3e16323-109275<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6905597&amp;loc=d3e13854-109267<br><br><br><br></p>
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<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Borrowings<br></strong></div>
        </th>
        <th class="th" colspan="1">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Jan. 31, 2012</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtInstrumentsAbstract', window );"><strong>Borrowings [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DebtDisclosureTextBlock', window );">Borrowings</a></td>
        <td class="text"><div> <p style="margin-top: 6px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2"><b>8. Borrowings</b> </font></p>

<p style="margin-top: 6px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">Borrowings consist of the following: </font></p>

<p style="margin-top: 0px; margin-bottom: 0px; font-size: 12px;">&nbsp;</p>

<table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="84%" align="center">
<tr><td style="width: 44%;"> </td>
<td style="width: 69pt;"> </td>
<td style="width: 69pt;"> </td>
<td style="width: 61pt;"> </td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"><font style="font-family: Times New Roman;" class="_mt" size="1">(in 000s)</font> </td></tr>
<tr><td valign="bottom" width="60%" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 0px;"><font style="font-family: Times New Roman;" class="_mt" size="1">As of</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">January&nbsp;31,&nbsp;2012</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">January&nbsp;31,&nbsp;2011</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">April&nbsp;30,&nbsp;2011</font> </td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Commercial paper </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 230,947 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 632,566 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ &#8212;&nbsp;&nbsp; </font></p></td></tr>
<tr><td height="8"> </td>
<td height="8"> </td>
<td height="8"> </td>
<td height="8"> </td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Senior Notes, <font class="_mt">7.875</font>%, due&nbsp;<font class="_mt">January 2013</font> </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 599,871 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 599,758 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 599,788 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Senior Notes, <font class="_mt">5.125</font>%, due&nbsp;<font class="_mt">October 2014</font> </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">399,364 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">399,117 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">399,177 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Other </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">41,002 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">40,913 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">41,119 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Total long-term debt </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,040,237 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,039,788 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,040,084 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Less: Current portion </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(630,996 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(551 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(557 )</font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 409,241 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 1,039,237 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 1,039,527 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td></tr></table>

<p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">We had commercial paper borrowings of $230.9 million at January 31, 2012, compared to $632.6 million at the same time last year. These borrowings were used to fund our off-season losses and cover our seasonal working capital needs. </font></p>

<p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">As of January 31, 2012, our $600.0 million Senior Notes are included in current portion of long-term debt in our condensed consolidated balance sheet due to their contractual maturity in January 2013. </font></p>

<p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">At January 31, 2012, we maintained a committed line of credit (CLOC) agreement to support commercial paper issuances, general corporate purposes or for working capital needs. This facility provides funding up to $<font class="_mt">1.7</font> billion and matures <font class="_mt">July 31, 2013</font>. This facility bears interest at an annual rate of LIBOR plus <font class="_mt">1.30</font>% to <font class="_mt">2.80</font>% or PRIME plus <font class="_mt">0.30</font>% to <font class="_mt">1.80</font>% (depending on the type of borrowing) and includes an annual facility fee of <font class="_mt">0.20</font>% to <font class="_mt">0.70</font>% of the committed amounts (based on our credit ratings). Covenants in this facility include: (1) maintenance of a minimum equity of $<font class="_mt">650.0</font> million on the last day of any fiscal quarter; and (2) reduction of the aggregate outstanding principal amount of short-term debt, as defined in the CLOC agreement, to $<font class="_mt">200.0</font> million or less for&nbsp;<font class="_mt">thirty</font> consecutive days during the period March 1 to June 30 of each year. At January 31, 2012, we were in compliance with these covenants and had net worth of $<font class="_mt">806.4</font> million. We had no balance outstanding under the CLOC at January 31, 2012. Effective March 2, 2012, we amended our CLOC agreement to reduce the amount of minimum equity that we must maintain as of the last day of any fiscal quarter from $650.0 million to $<font class="_mt">500.0</font> million. </font></p>

<p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">HRB Bank is a member of the FHLB of Des Moines, which extends credit to member banks based on eligible collateral. At January 31, 2012, HRB Bank had total FHLB advance capacity of&nbsp;<font class="_mt">$<font class="_mt">284.2</font></font> million. There was $<font class="_mt">25.0</font> million outstanding on this facility, leaving remaining availability of $<font class="_mt">259.2</font> million. Mortgage loans held for investment of $<font class="_mt">372.7</font> million serve as eligible collateral and are used to determine total capacity.</font></p> </div><span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for information about short-term and long-term debt arrangements, which includes amounts of borrowings under each line of credit, note payable, commercial paper issue, bonds indenture, debenture issue, own-share lending arrangements and any other contractual agreement to repay funds, and about the underlying arrangements, rationale for a classification as long-term, including repayment terms, interest rates, collateral provided, restrictions on use of assets and activities, whether or not in compliance with debt covenants, and other matters important to users of the financial statements, such as the effects of refinancing and noncompliance with debt covenants.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.19,20,22)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 129<br><br> -Paragraph 2, 4<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 19, 20, 22<br><br> -Article 5<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 505<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6928386&amp;loc=d3e21475-112644<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
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<DOCUMENT>
<TYPE>XML
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<FILENAME>R16.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
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    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Interest Income And Expense<br></strong></div>
        </th>
        <th class="th" colspan="1">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Jan. 31, 2012</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_InterestIncomeAndExpenseAbstract', window );"><strong>Interest Income And Expense [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OtherIncomeAndOtherExpenseDisclosureTextBlock', window );">Interest Income And Expense</a></td>
        <td class="text"><div> <p style="margin-top: 18px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2"><b>10. Interest Income and Expense </b></font></p>

<p style="margin-top: 6px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">The following table shows the components of interest income and expense of our continuing operations: </font></p>

<p style="margin-top: 0px; margin-bottom: 0px; font-size: 12px;">&nbsp;</p>

<table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="92%" align="center">
<tr><td style="width: 54%;"> </td>
<td style="width: 47pt;"> </td>
<td style="width: 47pt;"> </td>
<td style="width: 47pt;"> </td>
<td style="width: 47pt;"> </td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"><font style="font-family: Times New Roman;" class="_mt" size="1">(in 000s)</font> </td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Three&nbsp;months&nbsp;ended&nbsp;January&nbsp;31,</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Nine&nbsp;months&nbsp;ended&nbsp;January&nbsp;31,</font></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">2012</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">2011</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">2012</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">2011</font> </td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Interest income:</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Emerald Advance lines of credit </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 30,062 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 46,132 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 30,297 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 47,590 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Mortgage loans, net </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">4,948 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">5,923 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">15,760 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">18,771 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Other </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">4,466 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">3,957 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">13,680 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">10,305 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 39,476 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 56,012 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 59,737 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 76,666 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Interest expense:</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Borrowings </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 21,382 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 21,678 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 63,625 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 62,903 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Deposits </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">2,011 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">2,587 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">5,275 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">6,457 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">FHLB advances </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">150 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">397 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">452 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,189 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 23,543 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 24,662 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 69,352 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 70,549 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr></table> </div><span></span></td>
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for other income or other expense items (both operating and nonoperating). Sources of nonoperating income or nonoperating expense that may be disclosed, include amounts earned from dividends, interest on securities, profits (losses) on securities, net and miscellaneous other income or income deductions.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 5<br><br> -Section 03<br><br> -Paragraph 3, 6, 7, 9<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.3,6,7,9)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EJNAG">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Goodwill And Intangible Assets (Narrative) (Details) (USD $)<br></strong></div>
        </th>
        <th class="th" colspan="2">3 Months Ended</th>
        <th class="th" colspan="2">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Jan. 31, 2012</div>
        </th>
        <th class="th">
          <div>Jan. 31, 2011</div>
        </th>
        <th class="th">
          <div>Jan. 31, 2012</div>
        </th>
        <th class="th">
          <div>Jan. 31, 2011</div>
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      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_GoodwillAndIntangibleAssetsLineItems', window );"><strong>Goodwill and Intangible Assets [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GoodwillImpairmentLoss', window );">Impairment of goodwill</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">$ 22,700,000<span></span></td>
        <td class="nump">$ 4,257,000<span></span></td>
        <td class="nump">$ 22,700,000<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AmortizationOfIntangibleAssets', window );">Amortization of intangible assets</a></td>
        <td class="nump">4,700,000<span></span></td>
        <td class="nump">4,500,000<span></span></td>
        <td class="nump">15,200,000<span></span></td>
        <td class="nump">12,800,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FutureAmortizationExpenseRemainderOfFiscalYear', window );">Estimated amortization, 2012</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">17,700,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FutureAmortizationExpenseYearOne', window );">Estimated amortization, 2013</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">16,500,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FutureAmortizationExpenseYearTwo', window );">Estimated amortization, 2014</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">14,600,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FutureAmortizationExpenseYearThree', window );">Estimated amortization, 2015</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">11,300,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FutureAmortizationExpenseYearFour', window );">Estimated amortization, 2016</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">10,700,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Tax Services [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_GoodwillAndIntangibleAssetsLineItems', window );"><strong>Goodwill and Intangible Assets [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GoodwillImpairmentLoss', window );">Impairment of goodwill</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">4,257,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">ExpressTax Brand [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_GoodwillAndIntangibleAssetsLineItems', window );"><strong>Goodwill and Intangible Assets [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GoodwillImpairmentLoss', window );">Impairment of goodwill</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">4,300,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Customer Relationships [Member] | ExpressTax Brand [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_GoodwillAndIntangibleAssetsLineItems', window );"><strong>Goodwill and Intangible Assets [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ImpairmentOfIntangibleAssetsExcludingGoodwill', window );">Impairment of intangible assets</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">$ 4,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
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        <tr>
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        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_GoodwillAndIntangibleAssetsLineItems</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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          </td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AmortizationOfIntangibleAssets">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate expense charged against earnings to allocate the cost of intangible assets (nonphysical assets not used in production) in a systematic and rational manner to the periods expected to benefit from such assets. As a noncash expense, this element is added back to net income when calculating cash provided by or used in operations using the indirect method.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 30<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (a)(2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6905858&amp;loc=d3e16323-109275<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 142<br><br> -Paragraph 45<br><br> -Subparagraph a(2)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 30<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6388964&amp;loc=d3e16225-109274<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AmortizationOfIntangibleAssets</nobr></td>
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                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of amortization expense expected to be recognized during the remainder of the current fiscal year.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FutureAmortizationExpenseRemainderOfFiscalYear</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
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                    <td>duration</td>
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          </td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FutureAmortizationExpenseYearFour">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of amortization expense expected to be recognized during year four of the five succeeding fiscal years.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 142<br><br> -Paragraph 45<br><br> -Subparagraph a(3)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 30<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (a)(3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6905858&amp;loc=d3e16323-109275<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FutureAmortizationExpenseYearFour</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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              </div>
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          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FutureAmortizationExpenseYearOne">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of amortization expense expected to be recognized during year one of the five succeeding fiscal years.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 142<br><br> -Paragraph 45<br><br> -Subparagraph a(3)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 30<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (a)(3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6905858&amp;loc=d3e16323-109275<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FutureAmortizationExpenseYearOne</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
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              </div>
            </div>
          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FutureAmortizationExpenseYearThree">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of amortization expense expected to be recognized during year three of the five succeeding fiscal years.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 142<br><br> -Paragraph 45<br><br> -Subparagraph a(3)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 30<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (a)(3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6905858&amp;loc=d3e16323-109275<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FutureAmortizationExpenseYearThree</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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            </div>
          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_FutureAmortizationExpenseYearTwo">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of amortization expense expected to be recognized during year two of the five succeeding fiscal years.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 142<br><br> -Paragraph 45<br><br> -Subparagraph a(3)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 30<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (a)(3)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6905858&amp;loc=d3e16323-109275<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_FutureAmortizationExpenseYearTwo</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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            </div>
          </td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Loss recognized during the period that results from the write-down of goodwill after comparing the implied fair value of reporting unit goodwill with the carrying amount of that goodwill. Goodwill is assessed at least annually for impairment.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 20<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6388280&amp;loc=d3e13777-109266<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 142<br><br> -Paragraph 20<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 142<br><br> -Paragraph 45<br><br> -Subparagraph e<br><br> -Clause 5<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 141R<br><br> -Paragraph 72<br><br> -Subparagraph d<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 142<br><br> -Paragraph 47<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (e)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6905597&amp;loc=d3e13816-109267<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 142<br><br> -Paragraph 43<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6905597&amp;loc=d3e13854-109267<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_GoodwillImpairmentLoss</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
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                    <td>duration</td>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of impairment loss recognized in the period resulting from the write-down of the carrying amount of an intangible asset (excluding goodwill) to fair value.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 142<br><br> -Paragraph 46<br><br> -Subparagraph b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 30<br><br> -Section 50<br><br> -Paragraph 3<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6905858&amp;loc=d3e16373-109275<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ImpairmentOfIntangibleAssetsExcludingGoodwill</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0ETCBG">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>Goodwill And Intangible Assets (Schedule Of Intangible Assets) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Jan. 31, 2012</div>
        </th>
        <th class="th">
          <div>Apr. 30, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_GoodwillAndIntangibleAssetsLineItems', window );"><strong>Goodwill and Intangible Assets [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsGross', window );">Gross Carrying Amount</a></td>
        <td class="nump">$ 363,636<span></span></td>
        <td class="nump">$ 360,636<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization', window );">Accumulated Amortization</a></td>
        <td class="num">(95,488)<span></span></td>
        <td class="num">(85,294)<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsNet', window );">Net</a></td>
        <td class="nump">268,148<span></span></td>
        <td class="nump">275,342<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Tax Services [Member] | Customer Relationships [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_GoodwillAndIntangibleAssetsLineItems', window );"><strong>Goodwill and Intangible Assets [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsGross', window );">Gross Carrying Amount</a></td>
        <td class="nump">90,355<span></span></td>
        <td class="nump">87,624<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization', window );">Accumulated Amortization</a></td>
        <td class="num">(44,805)<span></span></td>
        <td class="num">(41,076)<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsNet', window );">Net</a></td>
        <td class="nump">45,550<span></span></td>
        <td class="nump">46,548<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Tax Services [Member] | Noncompete Agreements [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_GoodwillAndIntangibleAssetsLineItems', window );"><strong>Goodwill and Intangible Assets [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsGross', window );">Gross Carrying Amount</a></td>
        <td class="nump">23,725<span></span></td>
        <td class="nump">23,456<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization', window );">Accumulated Amortization</a></td>
        <td class="num">(22,628)<span></span></td>
        <td class="num">(22,059)<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsNet', window );">Net</a></td>
        <td class="nump">1,097<span></span></td>
        <td class="nump">1,397<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Tax Services [Member] | Reacquired Franchise Rights [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_GoodwillAndIntangibleAssetsLineItems', window );"><strong>Goodwill and Intangible Assets [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsGross', window );">Gross Carrying Amount</a></td>
        <td class="nump">214,330<span></span></td>
        <td class="nump">214,330<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization', window );">Accumulated Amortization</a></td>
        <td class="num">(13,052)<span></span></td>
        <td class="num">(9,961)<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsNet', window );">Net</a></td>
        <td class="nump">201,278<span></span></td>
        <td class="nump">204,369<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Tax Services [Member] | Franchise Agreements [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_GoodwillAndIntangibleAssetsLineItems', window );"><strong>Goodwill and Intangible Assets [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsGross', window );">Gross Carrying Amount</a></td>
        <td class="nump">19,201<span></span></td>
        <td class="nump">19,201<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization', window );">Accumulated Amortization</a></td>
        <td class="num">(4,053)<span></span></td>
        <td class="num">(3,093)<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsNet', window );">Net</a></td>
        <td class="nump">15,148<span></span></td>
        <td class="nump">16,108<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Tax Services [Member] | Purchased Technology [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_GoodwillAndIntangibleAssetsLineItems', window );"><strong>Goodwill and Intangible Assets [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsGross', window );">Gross Carrying Amount</a></td>
        <td class="nump">14,700<span></span></td>
        <td class="nump">14,700<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization', window );">Accumulated Amortization</a></td>
        <td class="num">(10,200)<span></span></td>
        <td class="num">(8,505)<span></span></td>
      </tr>
      <tr class="reu">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsNet', window );">Net</a></td>
        <td class="nump">4,500<span></span></td>
        <td class="nump">6,195<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Tax Services [Member] | Trade Name [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_GoodwillAndIntangibleAssetsLineItems', window );"><strong>Goodwill and Intangible Assets [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsGross', window );">Gross Carrying Amount</a></td>
        <td class="nump">1,325<span></span></td>
        <td class="nump">1,325<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsAccumulatedAmortization', window );">Accumulated Amortization</a></td>
        <td class="num">(750)<span></span></td>
        <td class="num">(600)<span></span></td>
      </tr>
      <tr class="rou">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FiniteLivedIntangibleAssetsNet', window );">Net</a></td>
        <td class="nump">$ 575<span></span></td>
        <td class="nump">$ 725<span></span></td>
      </tr>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_GoodwillAndIntangibleAssetsLineItems</nobr></td>
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The accumulated amount of amortization of a major finite-lived intangible asset class. A major class is composed of intangible assets that can be grouped together because they are similar, either by their nature or by their use in the operations of a company.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 142<br><br> -Paragraph 45<br><br> -Subparagraph a(1)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 30<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (a)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6905858&amp;loc=d3e16323-109275<br><br><br><br></p>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Sum of the gross carrying amounts before accumulated amortization as of the balance sheet date of all intangible assets having statutory or estimated useful lives. The aggregate gross carrying amount (including any previously recognized impairment charges) of a major finite-lived intangible asset class. A major class is composed of intangible assets that can be grouped together because they are similar, either by their nature or by their use in the operations of a company.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 142<br><br> -Paragraph 45<br><br> -Subparagraph a(1)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 30<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (a)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6905858&amp;loc=d3e16323-109275<br><br><br><br></p>
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                <p>The aggregate sum of gross carrying value of a major finite-lived intangible asset class, less accumulated amortization and any impairment charges. A major class is composed of intangible assets that can be grouped together because they are similar, either by their nature or by their use in the operations of a company.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 142<br><br> -Paragraph 45<br><br> -Subparagraph a(1)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 350<br><br> -SubTopic 30<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (a)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6905858&amp;loc=d3e16323-109275<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EAOAC">
      <tr>
        <th class="tl" colspan="1" rowspan="1">
          <div style="width: 200px;"><strong>Assets And Liabilities Measured At Fair Value (Fair Value Of Financial Instruments) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th">
          <div>Jan. 31, 2012</div>
        </th>
        <th class="th">
          <div>Apr. 30, 2011</div>
        </th>
        <th class="th">
          <div>Jan. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_FairValueDisclosuresAbstract', window );"><strong>Assets And Liabilities Measured At Fair Value [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableNetReportedAmount', window );">Mortgage loans held for investment, Carrying Amount</a></td>
        <td class="nump">$ 430,189<span></span></td>
        <td class="nump">$ 485,008<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Deposits', window );">Deposits, Carrying Amount</a></td>
        <td class="nump">1,593,604<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongTermDebt', window );">Long-term borrowings, Carrying Amount</a></td>
        <td class="nump">1,040,237<span></span></td>
        <td class="nump">1,040,084<span></span></td>
        <td class="nump">1,039,788<span></span></td>
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      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_MortgageLoansHeldForInvestmentFairValue', window );">Mortgage loans held for investment, Estimated Fair Value</a></td>
        <td class="nump">260,691<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_DepositsEstimatedFairValue', window );">Deposits, Estimated Fair Value</a></td>
        <td class="nump">1,585,985<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LongTermDebtFairValue', window );">Long-term borrowings, Estimated Fair Value</a></td>
        <td class="nump">$ 1,078,152<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Deposits, estimated fair value</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Mortgage loans held for investment fair value</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate of all deposit liabilities held by the entity, including foreign and domestic, interest and noninterest bearing; may include demand deposits, saving deposits, Negotiable Order of Withdrawal (NOW) and time deposits among others.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 12<br><br> -Article 9<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 13<br><br> -Paragraph 37, 38, 39<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.12)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Reflects the aggregate carrying amount of all categories of loans and leases held in portfolio, net of unearned income and the allowance for losses on loans and leases.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Statement of Position (SOP)<br><br> -Number 01-6<br><br> -Paragraph 13<br><br> -Subparagraph e<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6375948&amp;loc=d3e4428-111522<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.7)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                    <td><strong> Name:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Including current and noncurrent portions, aggregate carrying amount of long-term borrowings as of the balance sheet date. May include notes payable, bonds payable, commercial loans, mortgage loans, convertible debt, subordinated debt and other types of debt, which had initial maturities beyond one year or beyond the normal operating cycle, if longer, and after deducting unamortized discount or premiums, if any.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.22)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.16)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 7<br><br> -Section 03<br><br> -Paragraph 16<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-03.16)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879938&amp;loc=d3e572229-122910<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 16<br><br> -Article 9<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 20, 22<br><br> -Article 5<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LongTermDebt</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LongTermDebtFairValue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The fair value amount of long-term debt whether such amount is presented as a separate caption or as a parenthetical disclosure. Additionally, this element may be used in connection with the fair value disclosures required in the footnote disclosures to the financial statements. The element may be used in both the balance sheet and disclosure in the same submission.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LongTermDebtFairValue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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          </td>
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<DOCUMENT>
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<FILENAME>R34.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0E1AAC">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Commitments And Contingencies (Tables)<br></strong></div>
        </th>
        <th class="th" colspan="1">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Jan. 31, 2012</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommitmentsAndContingenciesDisclosureAbstract', window );"><strong>Commitments And Contingencies [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredRevenueByArrangementDisclosureTextBlock', window );">Schedule Of Deferred Revenue Related To The Peace Of Mind Program</a></td>
        <td class="text"><div> <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="76%" align="center">
<tr><td style="width: 55%;"> </td>
<td style="width: 52pt;"> </td>
<td style="width: 52pt;"> </td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"><font style="font-family: Times New Roman;" class="_mt" size="1">(in 000s)</font> </td></tr>
<tr><td valign="bottom" width="78%" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 0px;"><font style="font-family: Times New Roman;" class="_mt" size="1">Nine months ended January&nbsp;31,</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">2012</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">2011</font></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Balance, beginning of period </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 140,603 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 141,542 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Amounts deferred for new guarantees issued </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">19,471 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">19,376 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Revenue recognized on previous deferrals </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(57,254 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(59,882 )</font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Balance, end of period </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 102,820 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 101,036 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td></tr></table> </div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommitmentsDisclosureTextBlock', window );">Schedule Of Contractual Obligations And Commitments</a></td>
        <td class="text"><div> <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="76%" align="center">
<tr><td style="width: 50%;"> </td>
<td style="width: 69pt;"> </td>
<td style="width: 61pt;"> </td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"><font style="font-family: Times New Roman;" class="_mt" size="1">(in 000s)</font></td></tr>
<tr><td valign="bottom" width="70%" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 0px;"><font style="font-family: Times New Roman;" class="_mt" size="1">As of</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">January&nbsp;31,&nbsp;2012</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">April&nbsp;30,&nbsp;2011</font></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Franchise Equity Lines of Credit &#8211; undrawn commitment </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 22,209 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 37,695 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Media advertising purchase obligation </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">5,714 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">9,498 </font></p></td></tr></table> </div><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_ClaimsReceivedByLoanOriginationYearTextBlock', window );">Claims Received By Loan Origination Year</a></td>
        <td class="text"><div> <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center">
<tr><td style="width: 29%;"> </td>
<td style="width: 36pt;"> </td>
<td style="width: 26pt;"> </td>
<td style="width: 22pt;"> </td>
<td style="width: 26pt;"> </td>
<td style="width: 26pt;"> </td>
<td style="width: 26pt;"> </td>
<td style="width: 22pt;"> </td>
<td style="width: 26pt;"> </td>
<td style="width: 22pt;"> </td>
<td style="width: 26pt;"> </td>
<td style="width: 26pt;"> </td>
<td style="width: 22pt;"> </td>
<td style="width: 49pt;"> </td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">(in&nbsp;millions)</font></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Fiscal&nbsp;Year</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="4" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Fiscal&nbsp;Year&nbsp;2010</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="4" align="center">

<p style="margin-top: 0px; margin-bottom: 1px;" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Fiscal&nbsp;Year&nbsp;2011</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="3" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Fiscal&nbsp;Year&nbsp;2012</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">2009</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Q1</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Q2</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Q3</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Q4</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Q1</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Q2</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Q3</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Q4</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Q1</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Q2</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Q3</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Total</font></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="1">Loan Origination Year:</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="1">2005 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">$ 62 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">$ &#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">$ 15 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">$ &#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">$ &#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">$ 6 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">$ 1 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">$ &#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">$ 1 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">$ &#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">$ &#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">$ 4 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">$ 89 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="1">2006 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">217 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">2 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">57 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">4 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">45 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">100 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">15 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">29 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">50 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">29 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">130 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">29 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">707 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="1">2007 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">153 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">4 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">11 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">7 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">3 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">5 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">4 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">4 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">2 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">353 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">2 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">548 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="1">Total </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">$ 432 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">$ 6 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">$ 83 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">$ 11 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">$ 45 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">$ 109 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">$ 21 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">$ 33 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">$ 55 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">$ 31 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">$ 483 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">$ 35 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="1">$ 1,344 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td></tr></table> </div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_RollforwardOfReserveForLossesOnRepurchases', window );">Rollforward Of Reserve For Losses On Repurchases</a></td>
        <td class="text"><div> <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="76%" align="center">
<tr><td style="width: 55%;"> </td>
<td style="width: 52pt;"> </td>
<td style="width: 52pt;"> </td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"><font style="font-family: Times New Roman;" class="_mt" size="1"><b> </b>(in&nbsp;000s)</font></td></tr>
<tr><td valign="bottom" width="78%" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 0px;"><font style="font-family: Times New Roman;" class="_mt" size="1">Nine months ended January&nbsp;31,</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">2012</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">2011</font></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Balance at beginning of period:</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Amount related to repurchase and indemnifications </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 126,260 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 138,415 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Amount related to indemnity agreement dated April 2008 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">49,785 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">126,260 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">188,200 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Changes:</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Provision for estimated losses </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">20,000 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Losses on repurchase and indemnifications </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(3,337 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(7,652 )</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Payments under indemnity agreement dated April 2008 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(25,562 )</font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Balance at end of period:</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Amount related to repurchase and indemnifications </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">142,923 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">130,763 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Amount related to indemnity agreement dated April 2008 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">24,223 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 142,923 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 154,986 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td></tr></table> </div><span></span></td>
      </tr>
    </table>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Claims received by loan origination year text block</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                <p>Rollforward of reserve for losses on repurchases</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
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                  <tr>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for significant arrangements with third parties, which includes operating lease arrangements and arrangements in which the entity has agreed to expend funds to procure goods or services, or has agreed to commit resources to supply goods or services, and operating lease arrangements. Descriptions may include identification of the specific goods and services, period of time covered, minimum quantities and amounts, and cancellation rights.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.25)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.17)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 25<br><br> -Article 5<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-03.(a)(19))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879938&amp;loc=d3e572229-122910<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 03<br><br> -Paragraph 17<br><br> -Article 9<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 7<br><br> -Section 03<br><br> -Paragraph 19<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosureof the type of arrangements and the corresponding amounts that comprise the current and noncurrent balance of deferred revenue as of the balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Staff Accounting Bulletin (SAB)<br><br> -Number Topic 13<br><br> -Section A<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 605<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SAB TOPIC 13.A.4(a).Q1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6600647&amp;loc=d3e214044-122780<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 8<br><br> -Subparagraph (b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6361293&amp;loc=d3e6935-107765<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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<html>
  <head>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0E4WAE">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Mortgage Loans Held For Investment And Related Assets (Schedule Of Mortgage Loans Held For Investment And The Related Allowance) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="1">9 Months Ended</th>
        <th class="th" colspan="1"></th>
      </tr>
      <tr>
        <th class="th">
          <div>Jan. 31, 2012</div>
        </th>
        <th class="th">
          <div>Apr. 30, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems', window );"><strong>Mortgage Loans Held For Investment And Related Assets [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Outstanding Principal Balance</a></td>
        <td class="nump">$ 516,509<span></span></td>
        <td class="nump">$ 572,974<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesRealEstate', window );">Amount</a></td>
        <td class="nump">89,949<span></span></td>
        <td class="nump">92,087<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_AllowanceAsPercentOfPrincipal', window );">% of Principal</a></td>
        <td class="nump">17.40%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_PercentOfLoansThirtyDaysPastDue', window );">% 30 + Days Past Due</a></td>
        <td class="nump">34.20%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Purchased From SCC [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems', window );"><strong>Mortgage Loans Held For Investment And Related Assets [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Outstanding Principal Balance</a></td>
        <td class="nump">324,122<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesRealEstate', window );">Amount</a></td>
        <td class="nump">77,373<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_AllowanceAsPercentOfPrincipal', window );">% of Principal</a></td>
        <td class="nump">23.90%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_PercentOfLoansThirtyDaysPastDue', window );">% 30 + Days Past Due</a></td>
        <td class="nump">47.10%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">All Other [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems', window );"><strong>Mortgage Loans Held For Investment And Related Assets [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount', window );">Outstanding Principal Balance</a></td>
        <td class="nump">192,387<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesRealEstate', window );">Amount</a></td>
        <td class="nump">$ 12,576<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_AllowanceAsPercentOfPrincipal', window );">% of Principal</a></td>
        <td class="nump">6.50%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_PercentOfLoansThirtyDaysPastDue', window );">% 30 + Days Past Due</a></td>
        <td class="nump">12.40%<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
    </table>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Allowance as percent of principal</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                    <td><strong> Data Type:</strong></td>
                    <td>num:percentItemType</td>
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                    <td>na</td>
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                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsLineItems</nobr></td>
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                    <td>na</td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Percent of loans thirty days past due</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
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                    <td><nobr>hrb_PercentOfLoansThirtyDaysPastDue</nobr></td>
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                    <td>na</td>
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                    <td>duration</td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AllowanceForLoanAndLeaseLossesRealEstate">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The reserve to cover probable credit losses related to specifically identified fixed maturity real estate loans as well as probable credit losses inherent in the remainder of that loan portfolio.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 60<br><br> -Paragraph 47<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 310<br><br> -Section 45<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6873192&amp;loc=d3e21338-158488<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AllowanceForLoanAndLeaseLossesRealEstate</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableGrossCarryingAmount">
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          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Reflects the aggregate gross carrying amount of all categories of loans and leases held in portfolio, prior to deducting deferred income and the allowance for losses on loans and leases.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Statement of Position (SOP)<br><br> -Number 01-6<br><br> -Paragraph 13<br><br> -Subparagraph e<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6375948&amp;loc=d3e4428-111522<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
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                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
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<DOCUMENT>
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<FILENAME>R21.htm
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  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Segment Information<br></strong></div>
        </th>
        <th class="th" colspan="1">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Jan. 31, 2012</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SegmentReportingAbstract', window );"><strong>Segment Information [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_SegmentReportingDisclosureTextBlock', window );">Segment Information</a></td>
        <td class="text"><div> <p style="margin-top: 18px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2"><b>15. Segment Information </b></font></p>

<p style="margin-top: 6px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">Results of our continuing operations by reportable operating segment are as follows: </font></p>

<p style="margin-top: 0px; margin-bottom: 0px; font-size: 12px;">&nbsp;</p>

<table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="92%" align="center">
<tr><td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td>
<td>&nbsp;</td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"><font style="font-family: Times New Roman;" class="_mt" size="1">(in 000s)</font> </td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Three&nbsp;months&nbsp;ended&nbsp;January&nbsp;31,</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Nine&nbsp;months&nbsp;ended&nbsp;January&nbsp;31,</font></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">2012</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">2011</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">2012</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">2011</font> </td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Revenues:</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Tax Services </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 655,701 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 672,810 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 868,144 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 875,376 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Corporate </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">7,579 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">7,486 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">24,953 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">24,345 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 663,280 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 680,296 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 893,097 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 899,721 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Pretax income (loss):</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Tax Services </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 31,716 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 4,114 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (311,733 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (324,865 )</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Corporate </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(32,742 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(30,082 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(93,823 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(91,770 )</font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Loss from continuing operations before income tax (benefit) </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (1,026 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (25,968 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (405,556 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ (416,635 )</font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td></tr></table>

<p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">As of January 31, 2012, the results of operations of our previously reported Business Services segment are presented as discontinued operations in the condensed consolidated statements of operations. All periods presented have been reclassified to reflect our discontinued operations. See notes 1 and 13 for additional information. </font></p> </div><span></span></td>
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                <p>The entire disclosure for reporting segments including data and tables. Reportable segments include those that meet any of the following quantitative thresholds a) it's reported revenue, including sales to external customers and intersegment sales or transfers is 10 percent or more of the combined revenue, internal and external, of all operating segments b) the absolute amount of its reported profit or loss is 10 percent or more of the greater, in absolute amount of 1) the combined reported profit of all operating segments that did not report a loss or 2) the combined reported loss of all operating segments that did report a loss c) its assets are 10 percent or more of the combined assets of all operating segments.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 12<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8595-108599<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 10<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8538-108599<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 33<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8971-108599<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 34<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8981-108599<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 29<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8864-108599<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8380-108599<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 35<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8984-108599<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 41<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e9038-108599<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 32<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8933-108599<br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 131<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 11: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 30<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8906-108599<br><br><br><br>Reference 12: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 26<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8844-108599<br><br><br><br>Reference 13: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 40<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e9031-108599<br><br><br><br>Reference 14: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 42<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e9054-108599<br><br><br><br>Reference 15: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 280<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 31<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6534315&amp;loc=d3e8924-108599<br><br><br><br></p>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0E1AAC">
      <tr>
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          <div style="width: 200px;"><strong>Receivables (Tables)<br></strong></div>
        </th>
        <th class="th" colspan="1">9 Months Ended</th>
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      <tr>
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          <div>Jan. 31, 2012</div>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_ScheduleOfShortTermReceivablesTableTextBlock', window );">Schedule Of Short-Term Receivables</a></td>
        <td class="text"><div> <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="84%" align="center">
<tr><td style="width: 44%;"> </td>
<td style="width: 69pt;"> </td>
<td style="width: 69pt;"> </td>
<td style="width: 61pt;"> </td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"><font style="font-family: Times New Roman;" class="_mt" size="1">(in 000s)</font> </td></tr>
<tr><td valign="bottom" width="60%" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 0px;"><font style="font-family: Times New Roman;" class="_mt" size="1">As of</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"><font style="font-family: Times New Roman;" class="_mt" size="1">January&nbsp;31,&nbsp;2012</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"><font style="font-family: Times New Roman;" class="_mt" size="1">January&nbsp;31,&nbsp;2011</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"><font style="font-family: Times New Roman;" class="_mt" size="1">April&nbsp;30,&nbsp;2011</font> </td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Emerald Advance lines of credit </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 443,717 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 674,317 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 31,645 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Receivables for tax preparation and related fees </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">333,636 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">280,364 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">38,930 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Royalties from franchisees </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">88,597 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">84,049 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">11,645 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Loans to franchisees </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">81,415 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">85,269 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">62,181 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Receivable from M&amp;P </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">32,342 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">RAC fees receivable </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">28,942 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">51,704 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Tax client receivables related to RALs </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,727 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">4,874 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">2,412 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Other </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">89,665 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">95,732 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">131,302 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,100,041 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,276,309 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">278,115 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Allowance for doubtful accounts </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(64,139 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(102,837 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(47,943 )</font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 1,035,902 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 1,173,472 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 230,172 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td></tr></table> </div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfAccountsNotesLoansAndFinancingReceivableTextBlock', window );">Schedule Of Loans Receivable</a></td>
        <td class="text"><div> <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="84%" align="center">
<tr><td style="width: 41%;"> </td>
<td style="width: 72pt;"> </td>
<td style="width: 79pt;"> </td>
<td style="width: 60pt;"> </td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"><font style="font-family: Times New Roman;" class="_mt" size="1">(in 000s)</font> </td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Emerald&nbsp;Advance</font><br /><font style="font-family: Times New Roman;" class="_mt" size="1">Lines&nbsp;of&nbsp; Credit</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Tax Client</font><br /><font style="font-family: Times New Roman;" class="_mt" size="1">Receivables&nbsp;-&nbsp;RALs</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Loans</font><br /><font style="font-family: Times New Roman;" class="_mt" size="1">to&nbsp;Franchisees</font> </td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">As of January&nbsp;31, 2012:</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Short-term </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 443,717 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 1,727 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 81,415 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Long-term </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">15,001 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">5,120 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">134,136 </font></p></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 458,718 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 6,847 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 215,551 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">As of January&nbsp;31, 2011:</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Short-term </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 674,317 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 4,874 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 85,269 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Long-term </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">13,608 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">5,856 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">131,340 </font></p></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 687,925 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 10,730 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 216,609 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">As of April&nbsp;30, 2011:</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Short-term </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 31,645 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 2,412 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 62,181 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Long-term </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">21,619 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">5,855 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">110,420 </font></p></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 53,264 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 8,267 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 172,601 </font></p></td></tr></table> </div><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_ScheduleOfReceivablesBasedOnYearOfOriginationTableTextBlock', window );">Schedule Of Receivables Based On Year Of Origination</a></td>
        <td class="text"><div> <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="76%" align="center">
<tr><td style="width: 46%;"> </td>
<td style="width: 72pt;"> </td>
<td style="width: 79pt;"> </td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"><font style="font-family: Times New Roman;" class="_mt" size="1">(in 000s)</font> </td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Emerald&nbsp;Advance</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Tax Client</font></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Lines&nbsp;of&nbsp;Credit</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Receivables&nbsp;-&nbsp;RALs</font> </td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Credit Quality Indicator &#8211; Year of origination:</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">2012 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 410,648 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ &#8212;&nbsp;&nbsp; </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">2011 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">21,913 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">2010 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">4,848 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">2009 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">4,866 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">2,034 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">2008 and prior </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">2,045 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">4,813 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Revolving loans </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">14,398 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 458,718 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 6,847 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td></tr></table> </div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_ScheduleOfActivityInAllowanceForDoubtfulAccountsTableTextBlock', window );">Schedule Of Activity In The Allowance For Doubtful Accounts</a></td>
        <td class="text"><div> <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center">
<tr><td style="width: 42%;"> </td>
<td style="width: 67pt;"> </td>
<td style="width: 74pt;"> </td>
<td style="width: 55pt;"> </td>
<td style="width: 45pt;"> </td>
<td style="width: 47pt;"> </td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"><font style="font-family: Times New Roman;" class="_mt" size="1">(in 000s)</font> </td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Emerald&nbsp;Advance</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Tax Client</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Loans</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">All</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Lines&nbsp;of&nbsp;Credit</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Receivables&nbsp;-&nbsp;RALs</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">to&nbsp;Franchisees</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Other</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Total</font> </td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Balance as of April&nbsp;30, 2011 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 4,400 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ &#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ &#8212; <br />&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 43,543 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 47,943 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Provision </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">33,570 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">17,062 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">50,632 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Charge-offs </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(34,436 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(34,436 )</font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Balance as of January&nbsp;31, 2012 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 37,970 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ &#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ &#8212; <br />&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 26,169 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 64,139 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Balance as of April&nbsp;30, 2010 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 35,239 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 12,191 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 4 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 43,723 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 91,157 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Provision </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">71,325 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">2 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">22,961 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">94,288 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Charge-offs </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(32,919 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(12,193 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(4 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(37,492 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(82,608 )</font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Balance as of January&nbsp;31, 2011 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 73,645 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ &#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ &#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 29,192 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 102,837 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td></tr></table> </div><span></span></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Schedule of Activity in the Allowance for Doubtful Accounts [Table Text Block]</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                  <tr>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Schedule of Receivables Based on Year of Origination [Table Text Block]</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Schedule of Short-Term Receivables [Table Text Block]</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Tabular disclosure of the various types of trade accounts and notes receivable and for each the gross carrying value, allowance, and net carrying value as of the balance sheet date. Presentation is categorized by current, noncurrent and unclassified receivables.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 3, 4<br><br> -Article 5<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.3,4)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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<html>
  <head>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EHHAC">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Mortgage Loans Held For Investment And Related Assets (Schedule Of Allowance For Loan Losses) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="2">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Jan. 31, 2012</div>
        </th>
        <th class="th">
          <div>Jan. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsAbstract', window );"><strong>Mortgage Loans Held For Investment And Related Assets [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Balance, beginning of the period</a></td>
        <td class="nump">$ 92,087<span></span></td>
        <td class="nump">$ 93,535<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ProvisionForLoanAndLeaseLosses', window );">Provision</a></td>
        <td class="nump">17,275<span></span></td>
        <td class="nump">24,100<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesRecoveriesOfBadDebts', window );">Recoveries</a></td>
        <td class="nump">160<span></span></td>
        <td class="nump">169<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs', window );">Charge-offs</a></td>
        <td class="num">(19,573)<span></span></td>
        <td class="num">(29,928)<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_LoansAndLeasesReceivableAllowance', window );">Balance, end of the period</a></td>
        <td class="nump">$ 89,949<span></span></td>
        <td class="nump">$ 87,876<span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Reflects a reduction in bad debt expense attributable to collections of loans and lease receivables which had previously been fully or partially charged off as bad debts.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.7(d))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 114<br><br> -Paragraph 20<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 9<br><br> -Section 03<br><br> -Paragraph 7<br><br> -Subparagraph d<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 15<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6965416&amp;loc=d3e5212-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AllowanceForLoanAndLeaseLossesRecoveriesOfBadDebts</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Reflects the amount of loans and leases that have been removed, or charged off, from both loan receivables and the reserve for credit losses, typically because they are considered to be not salvageable or have been purchased by unconsolidated collection entities.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.7(d))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 114<br><br> -Paragraph 20<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 9<br><br> -Section 03<br><br> -Paragraph 7<br><br> -Subparagraph d<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 15<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6965416&amp;loc=d3e5212-111524<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AllowanceForLoanAndLeaseLossesWriteOffs</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_LoansAndLeasesReceivableAllowance">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The allowance for loan and lease losses represents the reserve to cover probable credit losses related to specifically identified loans and leases, as well as probable credit losses inherent in the remainder of the loan portfolio as of the balance sheet date. For banks, include currently required allocated transfer risk reserves. Include carryover of or adjustments to the allowance for loan losses in connection with business combinations determined to be appropriate.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher OTS<br><br> -Name Federal Regulation (FR)<br><br> -Number Title 12<br><br> -Chapter V<br><br> -Section 563c.102<br><br> -Paragraph 8<br><br> -Subparagraph a(ii)<br><br> -Subsection I<br><br> -LegacyDoc This is a non-GAAP reference that was included in the 2009 taxonomy.  It will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Staff Accounting Bulletin (SAB)<br><br> -Number Topic 6<br><br> -Section L<br><br> -Subsection 1<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 114<br><br> -Paragraph 20<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 210<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-03.7(d))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6876686&amp;loc=d3e534808-122878<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 9<br><br> -Section 03<br><br> -Paragraph 7<br><br> -Subparagraph d<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 5<br><br> -Paragraph 8, 9<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 310<br><br> -SubTopic 30<br><br> -Section 50<br><br> -Paragraph 2<br><br> -Subparagraph (b)(1)(ii)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6379141&amp;loc=d3e15032-111544<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_LoansAndLeasesReceivableAllowance</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
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              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_ProvisionForLoanAndLeaseLosses">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The sum of the periodic provision charged to operations, based on an assessment of the uncollectibility of the loan and lease portfolio, the offset to which is either added to or deducted from the allowance account for the purpose of reducing loan receivable and leases to an amount that approximates their net realizable value (the amount expected to be collected).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 942<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.9-04.11)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879574&amp;loc=d3e536633-122882<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 9<br><br> -Section 04<br><br> -Paragraph 11<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Audit and Accounting Guide (AAG)<br><br> -Number AAG-DEP<br><br> -Chapter 5<br><br> -Paragraph 168, 169, 170<br><br> -IssueDate 2006-05-01<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_ProvisionForLoanAndLeaseLosses</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EEBAC">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Loss Per Share And Stockholders' Equity (Components Of Stockholders' Equity) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="1">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Jan. 31, 2012</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_LossPerShareAndStockholdersEquityAbstract', window );"><strong>Loss Per Share And Stockholders' Equity [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommonStockValueOutstanding', window );">Common stock</a></td>
        <td class="nump">$ 130<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_AdditionalPaidInCapital', window );">Additional paid-in capital</a></td>
        <td class="nump">7,826<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_PostconfirmationRetainedEarningsDeficit', window );">Retained earnings</a></td>
        <td class="nump">169,548<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_AllocatedShareholdersEquityTotal', window );">Total</a></td>
        <td class="nump">$ 177,504<span></span></td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Allocated Shareholders Equity Total</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_AllocatedShareholdersEquityTotal</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>hrb_</td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_LossPerShareAndStockholdersEquityAbstract</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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                    <td>duration</td>
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            </div>
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        </tr>
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        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Excess of issue price over par or stated value of the entity's capital stock and amounts received from other transactions involving the entity's stock or stockholders. Includes adjustments to additional paid in capital. Some examples of such adjustments include recording the issuance of debt with a beneficial conversion feature and certain tax consequences of equity instruments awarded to employees. Use this element for the aggregate amount of additional paid-in capital associated with common and preferred stock. For additional paid-in capital associated with only common stock, use the element additional paid in capital, common stock. For additional paid-in capital associated with only preferred stock, use the element additional paid in capital, preferred stock.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 31<br><br> -Article 5<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.30(a)(1))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_AdditionalPaidInCapital</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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                    <td>xbrli:monetaryItemType</td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Value of all classes of common stock held by shareholders. May be all or portion of the number of common shares authorized. These shares exclude common shares repurchased by the entity and held as treasury shares.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 02<br><br> -Paragraph 30<br><br> -Article 5<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 210<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.5-02.29)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6877327&amp;loc=d3e13212-122682<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CommonStockValueOutstanding</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                <p>Tax effect on the reclassification adjustment for gains or losses realized upon the sale of securities during the period.</p>
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                <p>Tax effect on gross appreciation or the gross loss in value of the total of unsold securities during the period being reported on.</p>
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          <div style="width: 200px;"><strong>Mortgage Loans Held For Investment And Related Assets<br></strong></div>
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        <th class="th" colspan="1">9 Months Ended</th>
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<p style="margin-top: 18px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2"><b>4. Mortgage Loans Held for Investment and Related Assets </b></font></p>

<p style="margin-top: 6px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">The composition of our mortgage loan portfolio as of January 31, 2012 and April 30, 2011 is as follows: </font></p>

<table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="92%" align="center">
<tr><td style="width: 51%;">&nbsp;</td>
<td style="width: 52pt;">&nbsp;</td>
<td style="width: 49pt;">&nbsp;</td>
<td style="width: 52pt;">&nbsp;</td>
<td style="width: 49pt;">&nbsp;</td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="right"><font style="font-family: Times New Roman;" class="_mt" size="1">(dollars in 000s)</font> </td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">January&nbsp;31, 2012</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">April&nbsp;30, 2011</font> </td></tr>
<tr><td valign="bottom" width="66%" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 0px;"><font style="font-family: Times New Roman;" class="_mt" size="1">As of</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Amount</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">%&nbsp;of&nbsp;Total</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Amount</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">%&nbsp;of&nbsp;Total</font> </td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Adjustable-rate loans </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 297,375 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">58 %</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 333,828 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">58 %</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Fixed-rate loans </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">219,134 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">42 %</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">239,146 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">42 %</font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">516,509 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">100 %</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">572,974 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">100 %</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Unamortized deferred fees and costs </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">3,629 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">4,121 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Less: Allowance for loan losses </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(89,949 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(92,087 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 430,189 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 485,008 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr></table>

<p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">Our loan loss allowance as a percent of mortgage loans was <font class="_mt">17.4</font>% at January 31, 2012, compared to <font class="_mt">16.1</font>% at April 30, 2011. </font></p>

<p style="margin-top: 18px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">Activity in the allowance for loan losses for the nine months ended January 31, 2012 and 2011 is as follows: </font></p>

<table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="76%" align="center">
<tr><td style="width: 56%;">&nbsp;</td>
<td style="width: 50pt;">&nbsp;</td>
<td style="width: 50pt;">&nbsp;</td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"><font style="font-family: Times New Roman;" class="_mt" size="1">(in 000s)</font> </td></tr>
<tr><td valign="bottom" width="78%" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 0px;"><font style="font-family: Times New Roman;" class="_mt" size="1">Nine months ended January&nbsp;31,</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">2012</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">2011</font> </td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Balance, beginning of the period </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 92,087 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 93,535 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Provision </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">17,275 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">24,100 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Recoveries </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">160 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">169 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Charge-offs </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(19,573 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(29,928 )</font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Balance, end of the period </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 89,949 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 87,876 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td></tr></table>

<p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" 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>

<table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="92%" align="center">
<tr><td style="width: 33%;"> </td>
<td style="width: 71pt;">&nbsp;</td>
<td style="width: 76pt;">&nbsp;</td>
<td style="width: 71pt;">&nbsp;</td>
<td style="width: 76pt;">&nbsp;</td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"><font style="font-family: Times New Roman;" class="_mt" size="1">(in 000s)</font> </td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">January&nbsp;31, 2012</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">April&nbsp;30, 2011</font> </td></tr>
<tr><td valign="bottom" width="46%" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 0px;"><font style="font-family: Times New Roman;" class="_mt" size="1">As of</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Portfolio&nbsp;Balance</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Related&nbsp;Allowance</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Portfolio&nbsp;Balance</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Related&nbsp;Allowance</font> </td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Pooled (less than 60 days past due) </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 260,916 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 9,467 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 304,325 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 11,238 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Impaired:</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Individually (TDRs) </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">84,443 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">9,011 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">106,328 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">11,056 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Individually (60 days or more past due) </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">171,150 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">71,471 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">162,321 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">69,793 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 516,509 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 89,949 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 572,974 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 92,087 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td></tr></table>

<p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">Our portfolio includes loans originated by Sand Canyon Corporation, previously known as Option One Mortgage Corporation, and its subsidiaries (SCC) and purchased by H&amp;R Block Bank (HRB Bank), which constitute <font class="_mt">63</font>% of the total loan portfolio at January 31, 2012. We have experienced higher rates of delinquency and believe that we have greater exposure to loss with respect to this segment of our loan portfolio. Our remaining loan portfolio totaled $<font class="_mt">192.4</font> million and is characteristic of a prime loan portfolio, and we believe therefore subject to a lower loss exposure. Detail of our mortgage loans held for investment and the related allowance at January 31, 2012 is as follows: </font></p>

<table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="92%" align="center">
<tr><td style="width: 42%;"> </td>
<td style="width: 71pt;">&nbsp;</td>
<td style="width: 47pt;">&nbsp;</td>
<td style="width: 61pt;">&nbsp;</td>
<td style="width: 67pt;">&nbsp;</td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"><font style="font-family: Times New Roman;" class="_mt" size="1">(dollars&nbsp;in&nbsp;000s)</font> </td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Outstanding</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Loan&nbsp;Loss&nbsp;Allowance</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">%&nbsp;30+&nbsp;Days</font></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Principal&nbsp;Balance</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Amount</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">%&nbsp;of&nbsp;Principal</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Past Due</font> </td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Purchased from SCC </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 324,122 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 77,373 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">23.9 %</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">47.1 %</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">All other </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">192,387 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">12,576 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">6.5 %</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">12.4 %</font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 516,509 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 89,949 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">17.4 %</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">34.2 %</font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td></tr></table>

<p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">Credit quality indicators at January 31, 2012 include the following: </font></p>

<table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="84%" align="center">
<tr><td style="width: 52%;">&nbsp;</td>
<td style="width: 52pt;">&nbsp;</td>
<td style="width: 52pt;">&nbsp;</td>
<td style="width: 52pt;">&nbsp;</td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"><font style="font-family: Times New Roman;" class="_mt" size="1">(in 000s)</font> </td></tr>
<tr><td valign="bottom" width="70%" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 0px;"><font style="font-family: Times New Roman;" class="_mt" size="1">Credit Quality Indicators</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Purchased<br />from SCC</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">All Other</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Total<br />Portfolio</font> </td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Occupancy status:</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Owner occupied </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 229,463 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 122,424 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 351,887 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Non-owner occupied </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">94,659 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">69,963 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">164,622 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 324,122 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 192,387 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 516,509 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Documentation level:</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Full documentation </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 95,323 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 140,179 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 235,502 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Limited documentation </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">8,414 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">19,999 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">28,413 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Stated income </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">189,698 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">19,793 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">209,491 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">No documentation </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">30,687 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">12,416 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">43,103 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 324,122 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 192,387 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 516,509 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Internal risk rating:</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">High </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 129,745 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ &#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 129,745 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Medium </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">194,377 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">194,377 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Low </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">192,387 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">192,387 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 324,122 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 192,387 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 516,509 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td></tr></table>

<p style="margin-top: 0px; margin-bottom: 0px;" align="center">&nbsp;</p>

<p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">Loans given our internal risk rating of "high" were generally originated by SCC, have no documentation or are stated income and are non-owner occupied. Loans given our internal risk rating of "medium" were generally full documentation or stated income, with loan-to-value at origination of more than <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" were 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="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" 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="margin-top: 18px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">Detail of the aging of the mortgage loans in our portfolio that are past due as of January 31, 2012 is as follows: </font></p>

<p style="padding-bottom: 0px; margin-top: 0px; margin-bottom: 0px; margin-left: 4%;"> </p>

<div class="MetaData">

<table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center">
<tr><td style="width: 40%;"> </td>
<td style="width: 57pt;">&nbsp;</td>
<td style="width: 50pt;">&nbsp;</td>
<td style="width: 47pt;">&nbsp;</td>
<td style="width: 47pt;">&nbsp;</td>
<td style="width: 47pt;">&nbsp;</td>
<td style="width: 47pt;">&nbsp;</td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"><font style="font-family: Times New Roman;" class="_mt" size="1"><b> </b>(in 000s)<b> </b></font></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Less&nbsp;than&nbsp;60<br />Days&nbsp;Past&nbsp;Due</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">60&nbsp;&#8211;89&nbsp;Days<br />Past Due</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">90+&nbsp;Days<br />Past&nbsp;Due<sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;">(1)</sup></font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Total Past<br />Due</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Current</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Total</font> </td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Purchased from SCC </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 28,876 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 6,159 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 141,247 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 176,282 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 147,840 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 324,122 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">All other </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">8,423 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,524 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">20,639 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">30,586 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">161,801 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">192,387 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 37,299 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 7,683 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 161,886 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 206,868 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 309,641 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 516,509 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td></tr></table>

<p style="margin-left: 0%;" class="rfn">&nbsp;<font style="font-family: Times New Roman;" class="_mt" size="1"><sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;">(1)</sup> </font><font class="_mt"><font style="font-family: Times New Roman;" class="_mt" size="2">We do not accrue interest on loans past due 90 days or more. </font></font></p></div>

<p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">Information related to our non-accrual loans is as follows: </font></p>

<table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="76%" align="center">
<tr><td style="width: 50%;"> </td>
<td style="width: 69pt;">&nbsp;</td>
<td style="width: 61pt;">&nbsp;</td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"><font style="font-family: Times New Roman;" class="_mt" size="1">(in 000s)</font> </td></tr>
<tr><td valign="bottom" width="70%" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 0px;"><font style="font-family: Times New Roman;" class="_mt" size="1">As of</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">January&nbsp;31,&nbsp;2012</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">April&nbsp;30,&nbsp;2011</font> </td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Loans:</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Purchased from SCC </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 142,853 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 143,358 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Other </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">23,283 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">14,106 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">166,136 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">157,464 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">TDRs:</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Purchased from SCC </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">5,729 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">2,849 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Other </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,282 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">329 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">7,011 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">3,178 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Total non-accrual loans </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 173,147 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 160,642 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td></tr></table>

<p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">Information related to impaired loans is as follows: </font></p>

<div class="MetaData">

<div>

<table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="92%" align="center">
<tr><td style="width: 33%;">&nbsp;</td>
<td style="width: 71pt;">&nbsp;</td>
<td style="width: 79pt;">&nbsp;</td>
<td style="width: 71pt;">&nbsp;</td>
<td style="width: 76pt;">&nbsp;</td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"><font style="font-family: Times New Roman;" class="_mt" size="1"><b> </b>(in 000s)<b> </b></font></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Portfolio&nbsp;Balance</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Portfolio&nbsp;Balance</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Total</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">With Allowance</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">With&nbsp;No&nbsp;Allowance</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Portfolio&nbsp;Balance</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Related&nbsp;Allowance</font> </td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">As of January&nbsp;31, 2012:</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Purchased from SCC </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 179,776 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 40,672 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 220,448 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 71,084 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Other </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">25,390 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">9,755 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">35,145 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">9,398 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 205,166 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 50,427 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 255,593 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 80,482 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">As of April&nbsp;30, 2011:</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Purchased from SCC</font><font style="font-family: Times New Roman;" class="_mt" size="1"><sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;"> (1)</sup></font><font style="font-family: Times New Roman;" class="_mt" size="2"> </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 180,387 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 51,674 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 232,061 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 71,733 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Other</font><font style="font-family: Times New Roman;" class="_mt" size="1"><sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;"> (1)</sup></font><font style="font-family: Times New Roman;" class="_mt" size="2"> </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">29,027 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">7,561 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">36,588 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">9,116 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 209,414 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 59,235 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 268,649 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 80,849 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td></tr></table>

<p style="margin-left: 0%;" class="rfn">&nbsp;</p>

<p style="padding-bottom: 0px; margin-top: 0px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2"> </font><font style="font-family: Times New Roman;" class="_mt" size="1"><sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;">(1)</sup> </font><font class="_mt"><font style="font-family: Times New Roman;" class="_mt" size="2">Classification of amounts as of April 30, 2011 has been restated to conform to the current period presentation. </font></font><font size="2" class="_mt"> </font></p></div></div>

<p style="margin-top: 6px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2"> </font>&nbsp;</p>

<p style="margin-top: 6px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">Information related to the allowance for impaired loans is as follows: </font></p>

<table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="76%" align="center">
<tr><td style="width: 50%;"> </td>
<td style="width: 69pt;">&nbsp;</td>
<td style="width: 61pt;">&nbsp;</td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"><font style="font-family: Times New Roman;" class="_mt" size="1">(in 000s)</font> </td></tr>
<tr><td valign="bottom" width="70%" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 0px;"><font style="font-family: Times New Roman;" class="_mt" size="1">As of</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">January&nbsp;31,&nbsp;2012</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">April&nbsp;30,&nbsp;2011</font> </td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Portion of total allowance for loan losses allocated to impaired loans and TDR loans:</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Based on collateral value method </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 71,471 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 69,794 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Based on discounted cash flow method </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">9,011 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">11,055 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 80,482 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 80,849 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td></tr></table>

<p style="margin-top: 6px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">Information related to activities of our non-performing assets is as follows: </font></p>

<table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="76%" align="center">
<tr><td style="width: 55%;">&nbsp;</td>
<td style="width: 52pt;">&nbsp;</td>
<td style="width: 52pt;">&nbsp;</td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"><font style="font-family: Times New Roman;" class="_mt" size="1">(in 000s)</font> </td></tr>
<tr><td valign="bottom" width="78%" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 0px;"><font style="font-family: Times New Roman;" class="_mt" size="1">Nine months ended January&nbsp;31,</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">2012</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">2011</font> </td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Average impaired loans:</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Purchased from SCC </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 224,002 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">All other </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">35,421 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 259,423 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 308,282 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Interest income on impaired loans:</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Purchased from SCC </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 4,340 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">All other </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">348 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 4,688 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 4,975 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Interest income on impaired loans recognized on a cash basis on non-accrual status:</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Purchased from SCC </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 4,182 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">All other </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">324 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 4,506 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 4,711 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr></table>

<p style="margin-top: 6px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">Our real estate owned (REO) includes loans accounted for as in-substance foreclosures of $<font class="_mt">5.7</font> million and $<font class="_mt">7.7</font> million at January 31, 2012 and April 30, 2011, respectively. Activity related to our REO is as follows: </font></p>

<table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="76%" align="center">
<tr><td style="width: 56%;">&nbsp;</td>
<td style="width: 47pt;">&nbsp;</td>
<td style="width: 50pt;">&nbsp;</td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"><font style="font-family: Times New Roman;" class="_mt" size="1">(in 000s)</font> </td></tr>
<tr><td valign="bottom" width="78%" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 0px;"><font style="font-family: Times New Roman;" class="_mt" size="1">Nine months ended January&nbsp;31,</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">2012</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">2011</font> </td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Balance, beginning of the period </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 19,532 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 29,252 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Additions </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">6,521 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">12,931 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Sales </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(7,933 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(16,900 )</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Writedowns </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(2,193 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(3,442 )</font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Balance, end of the period </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 15,927 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 21,841 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr></table></div> </div><span></span></td>
      </tr>
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                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsAbstract</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
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                    <td><strong> Balance Type:</strong></td>
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                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_MortgageLoansOnRealEstateByLoanDisclosureTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The entire disclosure for mortgage loans on real estate, this includes the supplemental information pertaining to each mortgage loan receivable that equals or exceeds three percent of the carrying amount of mortgages.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 948<br><br> -SubTopic 310<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.12-29)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6589523&amp;loc=d3e617274-123014<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph c<br><br> -Subparagraph Schedule IV<br><br> -Article 5<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 29<br><br> -Article 12<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 205<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 6<br><br> -Subparagraph (SX 210.5-04.(c) Schedule IV)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6882300&amp;loc=d3e5864-122674<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_MortgageLoansOnRealEstateByLoanDisclosureTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
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          </td>
        </tr>
      </table>
    </div>
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</html>
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</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>102
<FILENAME>R58.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EHHAC">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Mortgage Loans Held For Investment And Related Assets (Schedule Of Real Estate Owned) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="2">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Jan. 31, 2012</div>
        </th>
        <th class="th">
          <div>Jan. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsAbstract', window );"><strong>Mortgage Loans Held For Investment And Related Assets [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_MortgageLoansOnRealEstate', window );">Balance, beginning of the period</a></td>
        <td class="nump">$ 19,532<span></span></td>
        <td class="nump">$ 29,252<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_MortgageLoansOnRealEstateOtherAdditions', window );">Additions</a></td>
        <td class="nump">6,521<span></span></td>
        <td class="nump">12,931<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_MortgageLoansOnRealEstateCostOfMortgagesSold', window );">Sales</a></td>
        <td class="num">(7,933)<span></span></td>
        <td class="num">(16,900)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_MortgageLoansOnRealEstateWriteDownOrReserveAmount', window );">Writedowns</a></td>
        <td class="num">(2,193)<span></span></td>
        <td class="num">(3,442)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_MortgageLoansOnRealEstate', window );">Balance, end of the period</a></td>
        <td class="nump">$ 15,927<span></span></td>
        <td class="nump">$ 21,841<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsAbstract</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>hrb_</td>
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                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:stringItemType</td>
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                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>na</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_MortgageLoansOnRealEstate">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Total carrying amount of mortgage loans as of the balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 948<br><br> -SubTopic 310<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.12-29.6)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6589523&amp;loc=d3e617274-123014<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph c<br><br> -Subparagraph Schedule IV<br><br> -Article 5<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 29<br><br> -Article 12<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 205<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 6<br><br> -Subparagraph (SX 210.5-04.(c) Schedule IV)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6882300&amp;loc=d3e5864-122674<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_MortgageLoansOnRealEstate</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>instant</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_MortgageLoansOnRealEstateCostOfMortgagesSold">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The carrying amount of mortgage loans on real estate that were sold during the reporting period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 948<br><br> -SubTopic 310<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.12-29.6)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6589523&amp;loc=d3e617274-123014<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph c<br><br> -Subparagraph Schedule IV<br><br> -Article 5<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 29<br><br> -Article 12<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 205<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 6<br><br> -Subparagraph (SX 210.5-04.(c) Schedule IV)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6882300&amp;loc=d3e5864-122674<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_MortgageLoansOnRealEstateCostOfMortgagesSold</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_MortgageLoansOnRealEstateOtherAdditions">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Total amount of additions to mortgage loans other than new loans during the reporting period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 948<br><br> -SubTopic 310<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.12-29.6)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6589523&amp;loc=d3e617274-123014<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph c<br><br> -Subparagraph Schedule IV<br><br> -Article 5<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 29<br><br> -Article 12<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 205<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 6<br><br> -Subparagraph (SX 210.5-04.(c) Schedule IV)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6882300&amp;loc=d3e5864-122674<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_MortgageLoansOnRealEstateOtherAdditions</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_MortgageLoansOnRealEstateWriteDownOrReserveAmount">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The amount of any write-down or reserve provided in the period on a mortgage loan on real estate.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 948<br><br> -SubTopic 310<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.12-29.7)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6589523&amp;loc=d3e617274-123014<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph c<br><br> -Subparagraph Schedule IV<br><br> -Article 5<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 29<br><br> -Article 12<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 205<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 6<br><br> -Subparagraph (SX 210.5-04.(c) Schedule IV)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6882300&amp;loc=d3e5864-122674<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_MortgageLoansOnRealEstateWriteDownOrReserveAmount</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
    </div>
  </body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>XML
<SEQUENCE>103
<FILENAME>R82.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EZ1BI">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Condensed Consolidating Financial Statements (Schedule Of Condensed Consolidating Statements Of Operations) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="2">3 Months Ended</th>
        <th class="th" colspan="2">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Jan. 31, 2012</div>
        </th>
        <th class="th">
          <div>Jan. 31, 2011</div>
        </th>
        <th class="th">
          <div>Jan. 31, 2012</div>
        </th>
        <th class="th">
          <div>Jan. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Revenues', window );">Total revenues</a></td>
        <td class="nump">$ 663,280<span></span></td>
        <td class="nump">$ 680,296<span></span></td>
        <td class="nump">$ 893,097<span></span></td>
        <td class="nump">$ 899,721<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CostOfRevenue', window );">Cost of revenues</a></td>
        <td class="nump">455,240<span></span></td>
        <td class="nump">494,884<span></span></td>
        <td class="nump">895,437<span></span></td>
        <td class="nump">952,534<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_SellingGeneralAdministrativeAndGoodwillImpairmentExpense', window );">Selling, general and administrative</a></td>
        <td class="nump">211,736<span></span></td>
        <td class="nump">213,339<span></span></td>
        <td class="nump">412,401<span></span></td>
        <td class="nump">372,901<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CostsAndExpenses', window );">Total expenses</a></td>
        <td class="nump">666,976<span></span></td>
        <td class="nump">708,223<span></span></td>
        <td class="nump">1,307,838<span></span></td>
        <td class="nump">1,325,435<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OperatingIncomeLoss', window );">Operating income (loss)</a></td>
        <td class="num">(3,696)<span></span></td>
        <td class="num">(27,927)<span></span></td>
        <td class="num">(414,741)<span></span></td>
        <td class="num">(425,714)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NonoperatingIncomeExpense', window );">Other income (expense), net</a></td>
        <td class="nump">2,670<span></span></td>
        <td class="nump">1,959<span></span></td>
        <td class="nump">9,185<span></span></td>
        <td class="nump">9,079<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments', window );">Income (loss) from continuing operations before tax (benefit)</a></td>
        <td class="num">(1,026)<span></span></td>
        <td class="num">(25,968)<span></span></td>
        <td class="num">(405,556)<span></span></td>
        <td class="num">(416,635)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefit', window );">Income taxes (benefit)</a></td>
        <td class="nump">2,541<span></span></td>
        <td class="num">(14,934)<span></span></td>
        <td class="num">(159,821)<span></span></td>
        <td class="num">(166,349)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest', window );">Net income (loss) from continuing operations</a></td>
        <td class="num">(3,567)<span></span></td>
        <td class="num">(11,034)<span></span></td>
        <td class="num">(245,735)<span></span></td>
        <td class="num">(250,286)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTax', window );">Net income (loss) from discontinued operations</a></td>
        <td class="nump">218<span></span></td>
        <td class="num">(1,687)<span></span></td>
        <td class="num">(74,436)<span></span></td>
        <td class="num">(2,165)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income (loss)</a></td>
        <td class="num">(3,349)<span></span></td>
        <td class="num">(12,721)<span></span></td>
        <td class="num">(320,171)<span></span></td>
        <td class="num">(252,451)<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">H&amp;R Block, Inc. (Guarantor) [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NonoperatingIncomeExpense', window );">Other income (expense), net</a></td>
        <td class="num">(1,026)<span></span></td>
        <td class="num">(25,968)<span></span></td>
        <td class="num">(405,556)<span></span></td>
        <td class="num">(416,635)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments', window );">Income (loss) from continuing operations before tax (benefit)</a></td>
        <td class="num">(1,026)<span></span></td>
        <td class="num">(25,968)<span></span></td>
        <td class="num">(405,556)<span></span></td>
        <td class="num">(416,635)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefit', window );">Income taxes (benefit)</a></td>
        <td class="nump">2,541<span></span></td>
        <td class="num">(14,934)<span></span></td>
        <td class="num">(159,821)<span></span></td>
        <td class="num">(166,349)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest', window );">Net income (loss) from continuing operations</a></td>
        <td class="num">(3,567)<span></span></td>
        <td class="num">(11,034)<span></span></td>
        <td class="num">(245,735)<span></span></td>
        <td class="num">(250,286)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTax', window );">Net income (loss) from discontinued operations</a></td>
        <td class="nump">218<span></span></td>
        <td class="num">(1,687)<span></span></td>
        <td class="num">(74,436)<span></span></td>
        <td class="num">(2,165)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income (loss)</a></td>
        <td class="num">(3,349)<span></span></td>
        <td class="num">(12,721)<span></span></td>
        <td class="num">(320,171)<span></span></td>
        <td class="num">(252,451)<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">BFC (Issuer) [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Revenues', window );">Total revenues</a></td>
        <td class="nump">65,604<span></span></td>
        <td class="nump">74,103<span></span></td>
        <td class="nump">104,937<span></span></td>
        <td class="nump">112,423<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CostOfRevenue', window );">Cost of revenues</a></td>
        <td class="nump">77,965<span></span></td>
        <td class="nump">118,708<span></span></td>
        <td class="nump">152,605<span></span></td>
        <td class="nump">193,695<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_SellingGeneralAdministrativeAndGoodwillImpairmentExpense', window );">Selling, general and administrative</a></td>
        <td class="nump">9,705<span></span></td>
        <td class="nump">10,220<span></span></td>
        <td class="nump">24,044<span></span></td>
        <td class="nump">21,689<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CostsAndExpenses', window );">Total expenses</a></td>
        <td class="nump">87,670<span></span></td>
        <td class="nump">128,928<span></span></td>
        <td class="nump">176,649<span></span></td>
        <td class="nump">215,384<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OperatingIncomeLoss', window );">Operating income (loss)</a></td>
        <td class="num">(22,066)<span></span></td>
        <td class="num">(54,825)<span></span></td>
        <td class="num">(71,712)<span></span></td>
        <td class="num">(102,961)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NonoperatingIncomeExpense', window );">Other income (expense), net</a></td>
        <td class="nump">1,301<span></span></td>
        <td class="num">(521)<span></span></td>
        <td class="nump">7,647<span></span></td>
        <td class="nump">4,751<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments', window );">Income (loss) from continuing operations before tax (benefit)</a></td>
        <td class="num">(20,765)<span></span></td>
        <td class="num">(55,346)<span></span></td>
        <td class="num">(64,065)<span></span></td>
        <td class="num">(98,210)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefit', window );">Income taxes (benefit)</a></td>
        <td class="nump">12,036<span></span></td>
        <td class="num">(26,783)<span></span></td>
        <td class="num">(4,877)<span></span></td>
        <td class="num">(42,278)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest', window );">Net income (loss) from continuing operations</a></td>
        <td class="num">(32,801)<span></span></td>
        <td class="num">(28,563)<span></span></td>
        <td class="num">(59,188)<span></span></td>
        <td class="num">(55,932)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTax', window );">Net income (loss) from discontinued operations</a></td>
        <td class="num">(15,695)<span></span></td>
        <td class="num">(8,283)<span></span></td>
        <td class="num">(36,398)<span></span></td>
        <td class="num">(12,617)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income (loss)</a></td>
        <td class="num">(48,496)<span></span></td>
        <td class="num">(36,846)<span></span></td>
        <td class="num">(95,586)<span></span></td>
        <td class="num">(68,549)<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Other Subsidiaries [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Revenues', window );">Total revenues</a></td>
        <td class="nump">597,837<span></span></td>
        <td class="nump">606,193<span></span></td>
        <td class="nump">788,321<span></span></td>
        <td class="nump">787,298<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CostOfRevenue', window );">Cost of revenues</a></td>
        <td class="nump">377,436<span></span></td>
        <td class="nump">376,176<span></span></td>
        <td class="nump">742,993<span></span></td>
        <td class="nump">758,839<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_SellingGeneralAdministrativeAndGoodwillImpairmentExpense', window );">Selling, general and administrative</a></td>
        <td class="nump">202,031<span></span></td>
        <td class="nump">203,119<span></span></td>
        <td class="nump">388,357<span></span></td>
        <td class="nump">351,212<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CostsAndExpenses', window );">Total expenses</a></td>
        <td class="nump">579,467<span></span></td>
        <td class="nump">579,295<span></span></td>
        <td class="nump">1,131,350<span></span></td>
        <td class="nump">1,110,051<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_OperatingIncomeLoss', window );">Operating income (loss)</a></td>
        <td class="nump">18,370<span></span></td>
        <td class="nump">26,898<span></span></td>
        <td class="num">(343,029)<span></span></td>
        <td class="num">(322,753)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NonoperatingIncomeExpense', window );">Other income (expense), net</a></td>
        <td class="nump">1,369<span></span></td>
        <td class="nump">2,480<span></span></td>
        <td class="nump">1,538<span></span></td>
        <td class="nump">4,328<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments', window );">Income (loss) from continuing operations before tax (benefit)</a></td>
        <td class="nump">19,739<span></span></td>
        <td class="nump">29,378<span></span></td>
        <td class="num">(341,491)<span></span></td>
        <td class="num">(318,425)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefit', window );">Income taxes (benefit)</a></td>
        <td class="num">(9,495)<span></span></td>
        <td class="nump">11,849<span></span></td>
        <td class="num">(154,944)<span></span></td>
        <td class="num">(124,071)<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest', window );">Net income (loss) from continuing operations</a></td>
        <td class="nump">29,234<span></span></td>
        <td class="nump">17,529<span></span></td>
        <td class="num">(186,547)<span></span></td>
        <td class="num">(194,354)<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTax', window );">Net income (loss) from discontinued operations</a></td>
        <td class="nump">15,913<span></span></td>
        <td class="nump">6,596<span></span></td>
        <td class="num">(38,038)<span></span></td>
        <td class="nump">10,452<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income (loss)</a></td>
        <td class="nump">45,147<span></span></td>
        <td class="nump">24,125<span></span></td>
        <td class="num">(224,585)<span></span></td>
        <td class="num">(183,902)<span></span></td>
      </tr>
      <tr class="rh">
        <td class="pl" style="border-bottom: 0px;" valign="top">
          <div class="a">Eliminations [Member]</div>
        </td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_Revenues', window );">Total revenues</a></td>
        <td class="num">(161)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(161)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CostOfRevenue', window );">Cost of revenues</a></td>
        <td class="num">(161)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(161)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CostsAndExpenses', window );">Total expenses</a></td>
        <td class="num">(161)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">(161)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NonoperatingIncomeExpense', window );">Other income (expense), net</a></td>
        <td class="nump">1,026<span></span></td>
        <td class="nump">25,968<span></span></td>
        <td class="nump">405,556<span></span></td>
        <td class="nump">416,635<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments', window );">Income (loss) from continuing operations before tax (benefit)</a></td>
        <td class="nump">1,026<span></span></td>
        <td class="nump">25,968<span></span></td>
        <td class="nump">405,556<span></span></td>
        <td class="nump">416,635<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeTaxExpenseBenefit', window );">Income taxes (benefit)</a></td>
        <td class="num">(2,541)<span></span></td>
        <td class="nump">14,934<span></span></td>
        <td class="nump">159,821<span></span></td>
        <td class="nump">166,349<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest', window );">Net income (loss) from continuing operations</a></td>
        <td class="nump">3,567<span></span></td>
        <td class="nump">11,034<span></span></td>
        <td class="nump">245,735<span></span></td>
        <td class="nump">250,286<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTax', window );">Net income (loss) from discontinued operations</a></td>
        <td class="num">(218)<span></span></td>
        <td class="nump">1,687<span></span></td>
        <td class="nump">74,436<span></span></td>
        <td class="nump">2,165<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_NetIncomeLoss', window );">Net income (loss)</a></td>
        <td class="nump">$ 3,349<span></span></td>
        <td class="nump">$ 12,721<span></span></td>
        <td class="nump">$ 320,171<span></span></td>
        <td class="nump">$ 252,451<span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_hrb_SellingGeneralAdministrativeAndGoodwillImpairmentExpense">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Selling general administrative and goodwill impairment expense</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_SellingGeneralAdministrativeAndGoodwillImpairmentExpense</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>hrb_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CostOfRevenue">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate cost of goods produced and sold and services rendered during the reporting period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 5<br><br> -Section 03<br><br> -Paragraph 2<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.2)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CostOfRevenue</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_CostsAndExpenses">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Total costs of sales and operating expenses for the period.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_CostsAndExpenses</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Sum of operating profit and nonoperating income or expense before Income or Loss from equity method investments, income taxes, extraordinary items, and noncontrolling interest.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 4<br><br> -Section 08<br><br> -Paragraph h<br><br> -Subparagraph 1(i)<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(h)(1)(i))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6881521&amp;loc=d3e23780-122690<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncomeLossFromContinuingOperationsBeforeIncomeTaxesMinorityInterestAndIncomeLossFromEquityMethodInvestments</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This element represents the income or loss from continuing operations attributable to the economic entity which may also be defined as revenue less expenses and taxes from ongoing operations before extraordinary items, and noncontrolling interest.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 28<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 29<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 810<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 19<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6921628&amp;loc=SL4569616-111683<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncomeLossFromContinuingOperationsIncludingPortionAttributableToNoncontrollingInterest</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTax">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>This element represents the overall income (loss) from a disposal group that is classified as a component of the entity, net of income tax, reported as a separate component of income before extraordinary items before deduction or consideration of the amount which may be allocable to noncontrolling interests, if any. Includes the following (net of tax): income (loss) from operations during the phase-out period, gain (loss) on disposal, provision (or any reversals of earlier provisions) for loss on disposal, and adjustments of a prior period gain (loss) on disposal.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 205<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -Subparagraph (c)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6360339&amp;loc=d3e1361-107760<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 144<br><br> -Paragraph 47<br><br> -Subparagraph c<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 29<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.14)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 144<br><br> -Paragraph 43<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.12)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 13<br><br> -Article 7<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 5<br><br> -Section 03<br><br> -Paragraph 15<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 205<br><br> -SubTopic 20<br><br> -Section 45<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6892542&amp;loc=d3e957-107759<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncomeLossFromDiscontinuedOperationsNetOfTax</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>credit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_IncomeTaxExpenseBenefit">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The sum of the current income tax expense or benefit and the deferred income tax expense or benefit pertaining to continuing operations.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Income Tax Expense (or Benefit)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6515339<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 9<br><br> -Subparagraph (a),(b)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=d3e32639-109319<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 08<br><br> -Paragraph h<br><br> -Article 4<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 109<br><br> -Paragraph 45<br><br> -Subparagraph a, b<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 235<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.4-08.(h))<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6881521&amp;loc=d3e23780-122690<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_IncomeTaxExpenseBenefit</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>us-gaap_</td>
                  </tr>
                  <tr>
                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
                  </tr>
                  <tr>
                    <td><strong> Balance Type:</strong></td>
                    <td>debit</td>
                  </tr>
                  <tr>
                    <td><strong> Period Type:</strong></td>
                    <td>duration</td>
                  </tr>
                </table>
              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_NetIncomeLoss">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The portion of profit or loss for the period, net of income taxes, which is attributable to the parent.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.22)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 230<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 28<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6943989&amp;loc=d3e3602-108585<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.18)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 38<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 260<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6371337&amp;loc=d3e3550-109257<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 220<br><br> -SubTopic 10<br><br> -Section 45<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6920043&amp;loc=d3e565-108580<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph A7<br><br> -Appendix A<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 130<br><br> -Paragraph 10, 15<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Other Comprehensive Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6519514<br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher AICPA<br><br> -Name Accounting Research Bulletin (ARB)<br><br> -Number 51<br><br> -Paragraph 38<br><br> -Subparagraph d<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 11: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Emerging Issues Task Force (EITF)<br><br> -Number 87-21<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 12: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Net Income<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6518256<br><br><br><br>Reference 13: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 944<br><br> -SubTopic 225<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SX 210.7-04.19)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6879464&amp;loc=d3e573970-122913<br><br><br><br>Reference 14: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 5<br><br> -Section 03<br><br> -Paragraph 19<br><br><br><br>Reference 15: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 95<br><br> -Paragraph 28, 29, 30<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 16: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Section 04<br><br> -Paragraph 20<br><br> -Article 9<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
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                    <td><strong> Name:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The aggregate amount of income or expense from ancillary business-related activities (that is to say, excluding major activities considered part of the normal operations of the business).</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 5<br><br> -Section 03<br><br> -Paragraph 7<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.7)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                <p>The net result for the period of deducting operating expenses from operating revenues.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Aggregate revenue recognized during the period (derived from goods sold, services rendered, insurance premiums, or other activities that constitute an entity's earning process). For financial services companies, also includes investment and interest income, and sales and trading gains.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Regulation S-X (SX)<br><br> -Number 210<br><br> -Article 5<br><br> -Section 03<br><br> -Paragraph 1<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 225<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 2<br><br> -Subparagraph (SX 210.5-03.1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6880815&amp;loc=d3e20235-122688<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
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                    <td><nobr>us-gaap_Revenues</nobr></td>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EDDAC">
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          <div style="width: 200px;"><strong>Income Taxes (Details) (USD $)<br>In Millions, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="1">9 Months Ended</th>
        <th class="th" colspan="1"></th>
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      <tr>
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          <div>Jan. 31, 2012</div>
        </th>
        <th class="th">
          <div>Apr. 30, 2011</div>
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        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_UnrecognizedTaxBenefits', window );">Unrecognized tax benefits</a></td>
        <td class="nump">$ 199.2<span></span></td>
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        <td class="nump">44.4<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Unrecognized tax benefits increase resulting due to accruals of tax positions</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>The gross amount of unrecognized tax benefits pertaining to uncertain tax positions taken in tax returns as of the balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name FASB Interpretation (FIN)<br><br> -Number 48<br><br> -Paragraph 21<br><br> -Subparagraph a<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Glossary Unrecognized Tax Benefit<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6527854<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 15A<br><br> -Subparagraph (a)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=SL6600010-109319<br><br><br><br></p>
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                <p>The gross amount of decreases in unrecognized tax benefits resulting from tax positions taken in prior period tax returns, excluding amounts pertaining to examined tax returns.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name FASB Interpretation (FIN)<br><br> -Number 48<br><br> -Paragraph 21<br><br> -Subparagraph a(1)<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 740<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 15A<br><br> -Subparagraph (a)(1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6907707&amp;loc=SL6600010-109319<br><br><br><br></p>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>105
<FILENAME>R27.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EDLAC">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Mortgage Loans Held For Investment And Related Assets (Tables)<br></strong></div>
        </th>
        <th class="th" colspan="1">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Jan. 31, 2012</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsAbstract', window );"><strong>Mortgage Loans Held For Investment And Related Assets [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_ScheduleOfMortgageLoanPortfolioTextBlock', window );">Schedule Of Mortgage Loan Portfolio</a></td>
        <td class="text"><div> <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="92%" align="center">
<tr><td style="width: 51%;">&nbsp;</td>
<td style="width: 52pt;">&nbsp;</td>
<td style="width: 49pt;">&nbsp;</td>
<td style="width: 52pt;">&nbsp;</td>
<td style="width: 49pt;">&nbsp;</td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="right"><font style="font-family: Times New Roman;" class="_mt" size="1">(dollars in 000s)</font> </td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">January&nbsp;31, 2012</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">April&nbsp;30, 2011</font> </td></tr>
<tr><td valign="bottom" width="66%" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 0px;"><font style="font-family: Times New Roman;" class="_mt" size="1">As of</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Amount</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">%&nbsp;of&nbsp;Total</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Amount</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">%&nbsp;of&nbsp;Total</font> </td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Adjustable-rate loans </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 297,375 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">58 %</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 333,828 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">58 %</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Fixed-rate loans </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">219,134 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">42 %</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">239,146 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">42 %</font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">516,509 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">100 %</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">572,974 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">100 %</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Unamortized deferred fees and costs </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">3,629 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">4,121 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Less: Allowance for loan losses </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(89,949 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(92,087 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 430,189 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 485,008 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr></table> </div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_ScheduleOfAllowanceForLoanLossesTextBlock', window );">Schedule Of Allowance For Loan Losses</a></td>
        <td class="text"><div> <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="76%" align="center">
<tr><td style="width: 56%;">&nbsp;</td>
<td style="width: 50pt;">&nbsp;</td>
<td style="width: 50pt;">&nbsp;</td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"><font style="font-family: Times New Roman;" class="_mt" size="1">(in 000s)</font> </td></tr>
<tr><td valign="bottom" width="78%" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 0px;"><font style="font-family: Times New Roman;" class="_mt" size="1">Nine months ended January&nbsp;31,</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">2012</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">2011</font> </td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Balance, beginning of the period </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 92,087 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 93,535 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Provision </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">17,275 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">24,100 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Recoveries </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">160 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">169 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Charge-offs </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(19,573 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(29,928 )</font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Balance, end of the period </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 89,949 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 87,876 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td></tr></table> </div><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_ScheduleOfPortfolioBalanceTextBlock', window );">Schedule Of Portfolio Balance</a></td>
        <td class="text"><div> <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="92%" align="center">
<tr><td style="width: 33%;"> </td>
<td style="width: 71pt;">&nbsp;</td>
<td style="width: 76pt;">&nbsp;</td>
<td style="width: 71pt;">&nbsp;</td>
<td style="width: 76pt;">&nbsp;</td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"><font style="font-family: Times New Roman;" class="_mt" size="1">(in 000s)</font> </td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">January&nbsp;31, 2012</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">April&nbsp;30, 2011</font> </td></tr>
<tr><td valign="bottom" width="46%" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 0px;"><font style="font-family: Times New Roman;" class="_mt" size="1">As of</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Portfolio&nbsp;Balance</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Related&nbsp;Allowance</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Portfolio&nbsp;Balance</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Related&nbsp;Allowance</font> </td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Pooled (less than 60 days past due) </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 260,916 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 9,467 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 304,325 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 11,238 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Impaired:</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Individually (TDRs) </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">84,443 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">9,011 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">106,328 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">11,056 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Individually (60 days or more past due) </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">171,150 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">71,471 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">162,321 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">69,793 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 516,509 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 89,949 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 572,974 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 92,087 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td></tr></table> </div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_ScheduleOfPortfolioBalanceAndRelatedAllowanceTextBlock', window );">Schedule Of Mortgage Loans Held For Investment And The Related Allowance</a></td>
        <td class="text"><div> <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="92%" align="center">
<tr><td style="width: 42%;"> </td>
<td style="width: 71pt;">&nbsp;</td>
<td style="width: 47pt;">&nbsp;</td>
<td style="width: 61pt;">&nbsp;</td>
<td style="width: 67pt;">&nbsp;</td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom"><font style="font-family: Times New Roman;" class="_mt" size="1">(dollars&nbsp;in&nbsp;000s)</font> </td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Outstanding</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" colspan="2" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Loan&nbsp;Loss&nbsp;Allowance</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">%&nbsp;30+&nbsp;Days</font></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Principal&nbsp;Balance</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Amount</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">%&nbsp;of&nbsp;Principal</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Past Due</font> </td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Purchased from SCC </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 324,122 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 77,373 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">23.9 %</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">47.1 %</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">All other </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">192,387 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">12,576 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">6.5 %</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">12.4 %</font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 516,509 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 89,949 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">17.4 %</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">34.2 %</font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td></tr></table> </div><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_ScheduleOfCreditQualityIndicatorsAndPortfolioBalanceTextBlock', window );">Schedule Of Credit Quality Indicators And Portfolio Balance</a></td>
        <td class="text"><div> <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="84%" align="center">
<tr><td style="width: 52%;">&nbsp;</td>
<td style="width: 52pt;">&nbsp;</td>
<td style="width: 52pt;">&nbsp;</td>
<td style="width: 52pt;">&nbsp;</td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"><font style="font-family: Times New Roman;" class="_mt" size="1">(in 000s)</font> </td></tr>
<tr><td valign="bottom" width="70%" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 0px;"><font style="font-family: Times New Roman;" class="_mt" size="1">Credit Quality Indicators</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Purchased<br />from SCC</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">All Other</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Total<br />Portfolio</font> </td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Occupancy status:</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Owner occupied </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 229,463 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 122,424 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 351,887 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Non-owner occupied </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">94,659 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">69,963 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">164,622 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 324,122 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 192,387 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 516,509 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Documentation level:</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Full documentation </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 95,323 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 140,179 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 235,502 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Limited documentation </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">8,414 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">19,999 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">28,413 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Stated income </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">189,698 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">19,793 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">209,491 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">No documentation </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">30,687 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">12,416 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">43,103 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 324,122 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 192,387 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 516,509 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Internal risk rating:</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">High </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 129,745 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ &#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 129,745 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Medium </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">194,377 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">194,377 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Low </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">&#8212;&nbsp;&nbsp; </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">192,387 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">192,387 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 324,122 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 192,387 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 516,509 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td></tr></table> </div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_ScheduleOfPastDueMortgageLoans', window );">Schedule Of Past Due Mortgage Loans</a></td>
        <td class="text"><div> <div class="MetaData">

<table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="100%" align="center">
<tr><td style="width: 40%;"> </td>
<td style="width: 57pt;">&nbsp;</td>
<td style="width: 50pt;">&nbsp;</td>
<td style="width: 47pt;">&nbsp;</td>
<td style="width: 47pt;">&nbsp;</td>
<td style="width: 47pt;">&nbsp;</td>
<td style="width: 47pt;">&nbsp;</td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"><font style="font-family: Times New Roman;" class="_mt" size="1"><b> </b>(in 000s)<b> </b></font></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Less&nbsp;than&nbsp;60<br />Days&nbsp;Past&nbsp;Due</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">60&nbsp;&#8211;89&nbsp;Days<br />Past Due</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">90+&nbsp;Days<br />Past&nbsp;Due<sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;">(1)</sup></font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Total Past<br />Due</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Current</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Total</font> </td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Purchased from SCC </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 28,876 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 6,159 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 141,247 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 176,282 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 147,840 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 324,122 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">All other </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">8,423 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,524 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">20,639 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">30,586 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">161,801 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">192,387 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 37,299 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 7,683 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 161,886 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 206,868 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 309,641 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 516,509 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td></tr></table>

<p style="margin-left: 0%;" class="rfn">&nbsp;<font style="font-family: Times New Roman;" class="_mt" size="1"><sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;">(1)</sup> </font><font class="_mt"><font style="font-family: Times New Roman;" class="_mt" size="2">We do not accrue interest on loans past due 90 days or more. </font></font></p></div> </div><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_ScheduleOfNonAccrualLoansTableTextBlock', window );">Schedule Of Non-Accrual Loans</a></td>
        <td class="text"><div> <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="76%" align="center">
<tr><td style="width: 50%;"> </td>
<td style="width: 69pt;">&nbsp;</td>
<td style="width: 61pt;">&nbsp;</td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"><font style="font-family: Times New Roman;" class="_mt" size="1">(in 000s)</font> </td></tr>
<tr><td valign="bottom" width="70%" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 0px;"><font style="font-family: Times New Roman;" class="_mt" size="1">As of</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">January&nbsp;31,&nbsp;2012</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">April&nbsp;30,&nbsp;2011</font> </td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Loans:</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Purchased from SCC </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 142,853 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 143,358 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Other </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">23,283 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">14,106 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">166,136 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">157,464 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">TDRs:</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Purchased from SCC </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">5,729 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">2,849 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Other </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">1,282 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">329 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">7,011 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">3,178 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Total non-accrual loans </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 173,147 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 160,642 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td></tr></table> </div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_ScheduleOfImpairedLoansTextBlock', window );">Information Related To Impaired Loans</a></td>
        <td class="text"><div> <div class="MetaData">

<div>

<table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="92%" align="center">
<tr><td style="width: 33%;">&nbsp;</td>
<td style="width: 71pt;">&nbsp;</td>
<td style="width: 79pt;">&nbsp;</td>
<td style="width: 71pt;">&nbsp;</td>
<td style="width: 76pt;">&nbsp;</td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"><font style="font-family: Times New Roman;" class="_mt" size="1"><b> </b>(in 000s)<b> </b></font></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Portfolio&nbsp;Balance</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Portfolio&nbsp;Balance</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Total</font></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">With Allowance</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">With&nbsp;No&nbsp;Allowance</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Portfolio&nbsp;Balance</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">Related&nbsp;Allowance</font> </td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">As of January&nbsp;31, 2012:</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Purchased from SCC </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 179,776 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 40,672 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 220,448 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 71,084 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Other </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">25,390 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">9,755 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">35,145 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">9,398 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 205,166 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 50,427 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 255,593 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 80,482 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">As of April&nbsp;30, 2011:</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Purchased from SCC</font><font style="font-family: Times New Roman;" class="_mt" size="1"><sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;"> (1)</sup></font><font style="font-family: Times New Roman;" class="_mt" size="2"> </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 180,387 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 51,674 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 232,061 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 71,733 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Other</font><font style="font-family: Times New Roman;" class="_mt" size="1"><sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;"> (1)</sup></font><font style="font-family: Times New Roman;" class="_mt" size="2"> </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">29,027 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">7,561 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">36,588 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">9,116 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 209,414 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 59,235 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 268,649 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 80,849 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td></tr></table>

<p style="margin-left: 0%;" class="rfn">&nbsp;</p>

<p style="padding-bottom: 0px; margin-top: 0px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2"> </font><font style="font-family: Times New Roman;" class="_mt" size="1"><sup style="position: relative; bottom: 0.8ex; vertical-align: baseline;">(1)</sup> </font><font class="_mt"><font style="font-family: Times New Roman;" class="_mt" size="2">Classification of amounts as of April 30, 2011 has been restated to conform to the current period presentation. </font></font><font size="2" class="_mt"> </font></p></div></div> </div><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_ScheduleOfAllowanceForImpairedLoansTableTextBlock', window );">Schedule Of Allowance For Impaired Loans</a></td>
        <td class="text"><div> <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="76%" align="center">
<tr><td style="width: 50%;"> </td>
<td style="width: 69pt;">&nbsp;</td>
<td style="width: 61pt;">&nbsp;</td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"><font style="font-family: Times New Roman;" class="_mt" size="1">(in 000s)</font> </td></tr>
<tr><td valign="bottom" width="70%" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 0px;"><font style="font-family: Times New Roman;" class="_mt" size="1">As of</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">January&nbsp;31,&nbsp;2012</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">April&nbsp;30,&nbsp;2011</font> </td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Portion of total allowance for loan losses allocated to impaired loans and TDR loans:</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Based on collateral value method </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 71,471 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 69,794 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Based on discounted cash flow method </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">9,011 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">11,055 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 80,482 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 80,849 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td></tr></table> </div><span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_ScheduleOfRealEstatePropertiesNonPerformingAssetsTableTextBlock', window );">Information Related To Activities Of Non-Performing Assets</a></td>
        <td class="text"><div> <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="76%" align="center">
<tr><td style="width: 55%;">&nbsp;</td>
<td style="width: 52pt;">&nbsp;</td>
<td style="width: 52pt;">&nbsp;</td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"><font style="font-family: Times New Roman;" class="_mt" size="1">(in 000s)</font> </td></tr>
<tr><td valign="bottom" width="78%" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 0px;"><font style="font-family: Times New Roman;" class="_mt" size="1">Nine months ended January&nbsp;31,</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">2012</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">2011</font> </td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Average impaired loans:</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Purchased from SCC </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 224,002 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">All other </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">35,421 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 259,423 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 308,282 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Interest income on impaired loans:</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Purchased from SCC </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 4,340 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">All other </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">348 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 4,688 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 4,975 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Interest income on impaired loans recognized on a cash basis on non-accrual status:</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Purchased from SCC </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 4,182 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 3em;"><font style="font-family: Times New Roman;" class="_mt" size="2">All other </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">324 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="top">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 4,506 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 4,711 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrddoublerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr></table> </div><span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfRealEstatePropertiesTableTextBlock', window );">Schedule Of Real Estate Owned</a></td>
        <td class="text"><div> <table style="border-collapse: collapse;" border="0" cellspacing="0" cellpadding="0" width="76%" align="center">
<tr><td style="width: 56%;">&nbsp;</td>
<td style="width: 47pt;">&nbsp;</td>
<td style="width: 50pt;">&nbsp;</td></tr>
<tr><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="right"><font style="font-family: Times New Roman;" class="_mt" size="1">(in 000s)</font> </td></tr>
<tr><td valign="bottom" width="78%" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 0px;"><font style="font-family: Times New Roman;" class="_mt" size="1">Nine months ended January&nbsp;31,</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">2012</font> </td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" align="center"><font style="font-family: Times New Roman;" class="_mt" size="1">2011</font> </td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Balance, beginning of the period </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 19,532 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 29,252 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Additions </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">6,521 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">12,931 </font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Sales </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(7,933 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(16,900 )</font></p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Writedowns </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(2,193 )</font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">(3,442 )</font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="rrdsinglerule">&nbsp;</p></td></tr>
<tr><td valign="top">

<p style="text-indent: -1em; margin-left: 1em;"><font style="font-family: Times New Roman;" class="_mt" size="2">Balance, end of the period </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 15,927 </font></p></td>
<td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom" nowrap="nowrap">

<p style="margin-top: 0px; margin-bottom: 1px;"><font style="font-family: Times New Roman;" class="_mt" size="2">$ 21,841 </font></p></td></tr>
<tr style="font-size: 1px;"><td style="padding-bottom: 0in; padding-left: 0.1in; padding-right: 0in; padding-top: 0in;" valign="bottom">

<p class="la2">&nbsp;</p></td></tr></table> </div><span></span></td>
      </tr>
    </table>
    <div style="display: none;">
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsAbstract">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_MortgageLoansHeldForInvestmentAndRelatedAssetsAbstract</nobr></td>
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            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_hrb_ScheduleOfAllowanceForImpairedLoansTableTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Schedule Of Allowance For Impaired Loans [Table Text Block]</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_ScheduleOfAllowanceForImpairedLoansTableTextBlock</nobr></td>
                  </tr>
                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_hrb_ScheduleOfAllowanceForLoanLossesTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Schedule Of Allowance For Loan Losses [Text block]</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_ScheduleOfAllowanceForLoanLossesTextBlock</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_hrb_ScheduleOfCreditQualityIndicatorsAndPortfolioBalanceTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Schedule of Credit Quality Indicators and Portfolio Balance</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_ScheduleOfCreditQualityIndicatorsAndPortfolioBalanceTextBlock</nobr></td>
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                  <tr>
                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>hrb_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_hrb_ScheduleOfImpairedLoansTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Schedule Of Impaired Loans [Text Block]</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_ScheduleOfImpairedLoansTextBlock</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
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          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_hrb_ScheduleOfMortgageLoanPortfolioTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Schedule of mortgage loan portfolio [Text Block]</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_ScheduleOfMortgageLoanPortfolioTextBlock</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
                    <td>hrb_</td>
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                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
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                    <td>na</td>
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                    <td>duration</td>
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          </td>
        </tr>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_hrb_ScheduleOfNonAccrualLoansTableTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Schedule Of Non Accrual Loans [Table Text Block]</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_ScheduleOfNonAccrualLoansTableTextBlock</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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                    <td><strong> Data Type:</strong></td>
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                    <td><strong> Balance Type:</strong></td>
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            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_hrb_ScheduleOfPastDueMortgageLoans">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Schedule Of Past Due Mortgage Loans</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_ScheduleOfPastDueMortgageLoans</nobr></td>
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                    <td style="padding-right: 4px;"><nobr><strong> Namespace Prefix:</strong></nobr></td>
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                    <td><strong> Data Type:</strong></td>
                    <td>nonnum:textBlockItemType</td>
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                    <td><strong> Balance Type:</strong></td>
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              </div>
            </div>
          </td>
        </tr>
      </table>
      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_hrb_ScheduleOfPortfolioBalanceAndRelatedAllowanceTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Schedule of Portfolio Balance and Related Allowance [Text Block]</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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      <table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_hrb_ScheduleOfPortfolioBalanceTextBlock">
        <tr>
          <td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td>
        </tr>
        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Schedule of Portfolio Balance</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>hrb_ScheduleOfPortfolioBalanceTextBlock</nobr></td>
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                    <td><strong> Data Type:</strong></td>
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              </div>
            </div>
          </td>
        </tr>
      </table>
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<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EHFAC">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Commitments And Contingencies (Schedule Of Deferred Revenue Related To The Peace Of Mind Program) (Details) (USD $)<br>In Thousands, unless otherwise specified</strong></div>
        </th>
        <th class="th" colspan="2">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Jan. 31, 2012</div>
        </th>
        <th class="th">
          <div>Jan. 31, 2011</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_CommitmentsAndContingenciesDisclosureAbstract', window );"><strong>Commitments And Contingencies [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredRevenue', window );">Balance, beginning of period</a></td>
        <td class="nump">$ 140,603<span></span></td>
        <td class="nump">$ 141,542<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredRevenueAdditions', window );">Amounts deferred for new guarantees issued</a></td>
        <td class="nump">19,471<span></span></td>
        <td class="nump">19,376<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredRevenueRevenueRecognized', window );">Revenue recognized on previous deferrals</a></td>
        <td class="num">(57,254)<span></span></td>
        <td class="num">(59,882)<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DeferredRevenue', window );">Balance, end of period</a></td>
        <td class="nump">$ 102,820<span></span></td>
        <td class="nump">$ 101,036<span></span></td>
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          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Details</a><div>
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of deferred revenue as of balance sheet date. Deferred revenue represents collections of cash or other assets related to a revenue producing activity for which revenue has not yet been recognized. Generally, an entity records deferred revenue when it receives consideration from a customer before achieving certain criteria that must be met for revenue to be recognized in conformity with GAAP.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Staff Accounting Bulletin (SAB)<br><br> -Number Topic 13<br><br> -Section A<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 605<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SAB TOPIC 13.A.4(a).Q1 Response)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6600647&amp;loc=d3e214044-122780<br><br><br><br></p>
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                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DeferredRevenue</nobr></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of deferred revenue recognized for transactions arising during the current reporting period. Deferred revenue is a liability as of the balance sheet date related to a revenue producing activity for which revenue has not yet been recognized. Generally, an Entity records deferred revenue when it receives consideration from a customer before achieving certain criteria that must be met for revenue to be recognized in conformity with GAAP.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Staff Accounting Bulletin (SAB)<br><br> -Number Topic 13<br><br> -Section A<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 605<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SAB TOPIC 13.A.4(a).Q1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6600647&amp;loc=d3e214044-122780<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DeferredRevenueAdditions</nobr></td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
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                    <td>duration</td>
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        <tr>
          <td>
            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Amount of previously reported deferred or unearned revenue that was recognized as revenue during the period. Deferred revenue is a liability related to a revenue producing activity for which revenue has not yet been recognized. Generally, an entity records deferred revenue when it receives consideration from a customer before achieving certain criteria that must be met for revenue to be recognized in conformity with GAAP.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher SEC<br><br> -Name Staff Accounting Bulletin (SAB)<br><br> -Number Topic 13<br><br> -Section A<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 605<br><br> -SubTopic 10<br><br> -Section S99<br><br> -Paragraph 1<br><br> -Subparagraph (SAB TOPIC 13.A.4(a).Q1)<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6600647&amp;loc=d3e214044-122780<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
                    <td><nobr>us-gaap_DeferredRevenueRevenueRecognized</nobr></td>
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                    <td><strong> Data Type:</strong></td>
                    <td>xbrli:monetaryItemType</td>
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                    <td><strong> Balance Type:</strong></td>
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<html>
  <head>
    <META http-equiv="Content-Type" content="text/html; charset=us-ascii">
    <link rel="StyleSheet" type="text/css" href="report.css"><script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script></head>
  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EYFAG">
      <tr>
        <th class="tl" colspan="1" rowspan="2">
          <div style="width: 200px;"><strong>Summary Of Significant Accounting Policies (Details) (USD $)<br></strong></div>
        </th>
        <th class="th" colspan="2">3 Months Ended</th>
        <th class="th" colspan="2">9 Months Ended</th>
        <th class="th" colspan="2">3 Months Ended</th>
        <th class="th" colspan="1">9 Months Ended</th>
        <th class="th" colspan="1">3 Months Ended</th>
        <th class="th" colspan="1">9 Months Ended</th>
      </tr>
      <tr>
        <th class="th">
          <div>Jan. 31, 2012</div>
        </th>
        <th class="th">
          <div>Jan. 31, 2011</div>
        </th>
        <th class="th">
          <div>Jan. 31, 2012</div>
        </th>
        <th class="th">
          <div>Jan. 31, 2011</div>
        </th>
        <th class="th">
          <div>Jan. 31, 2012

</div>
          <div>RSM McGladrey, Inc. [Member]</div>
        </th>
        <th class="th">
          <div>Jul. 31, 2011

</div>
          <div>RSM McGladrey, Inc. [Member]</div>
        </th>
        <th class="th">
          <div>Jan. 31, 2012

</div>
          <div>RSM McGladrey, Inc. [Member]</div>
        </th>
        <th class="th">
          <div>Jul. 31, 2011

</div>
          <div>RSM EquiCo, Inc. [Member]</div>
        </th>
        <th class="th">
          <div>Jan. 31, 2012

</div>
          <div>RSM EquiCo, Inc. [Member]</div>
        </th>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_SummaryOfSignificantAccountingPoliciesLineItems', window );"><strong>Summary Of Significant Accounting Policies [Line Items]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DisposalGroupIncludingDiscontinuedOperationCashAndCashEquivalents', window );">Cash proceeds total, discontinued operation</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">$ 495,600,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">$ 495,600,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_DisposalGroupIncludingDiscontinuedOperationShortTermReceivable', window );">Short-term receivable, discontinued operation</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">32,300,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">32,300,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_DisposalGroupIncludingDiscontinuedOperationNoteReceivable', window );">Note receivable, discontinued operation</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">54,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">54,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
      </tr>
      <tr class="re">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DiscontinuedOperationGainLossOnDisposalOfDiscontinuedOperationNetOfTax', window );">Loss on sale of discontinued operation, net of tax</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">37,100,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">12,400,000<span></span></td>
      </tr>
      <tr class="ro">
        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_AgreementToSellAssetsOfDiscontinuedOperation', window );">Agreement to sell assets of discontinued operation</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">1,000,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_GoodwillImpairmentLoss', window );">Impairment of goodwill</a></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">22,700,000<span></span></td>
        <td class="nump">4,257,000<span></span></td>
        <td class="nump">22,700,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">85,400,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">14,300,000<span></span></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_DiscontinuedOperationTaxEffectOfIncomeLossFromDisposalOfDiscontinuedOperation', window );">Tax benefit from the loss on sale of discontinued operations</a></td>
        <td class="num">$ (20,260,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="num">$ (59,969,000)<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="text">&#xA0;<span></span></td>
        <td class="nump">$ 20,500,000<span></span></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Agreement To Sell Assets Of Discontinued Operation</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
                <table border="0" cellpadding="0" cellspacing="0">
                  <tr>
                    <td><strong> Name:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Disposal group, including discontinued operation, note receivable</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>No definition available.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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                <p>Disposal group including discontinued operation short term receivable.</p>
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                <p>No definition available.</p>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Gain (loss) after tax expense or benefit, not previously recognized and resulting from the sale of a business component, which is recognized at the date of sale. A gain (loss) reflects the amount by which the consideration received exceeds (is exceeded by) the net carrying amount (reflecting previous provisions for loss on disposal, if any) of the disposal group.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
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                <p>Tax expense or benefit on the gain (loss), not previously recognized and resulting from the sale of a business component, which is recognized at the date of sale. A gain (loss) reflects the amount by which the consideration received exceeds (is exceeded by) the net carrying amount (reflecting previous provisions for loss on disposal, if any) of the disposal group.</p>
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                    <td><strong> Name:</strong></td>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>For the disposal group, including a component of the entity (discontinued operation), cash includes currency on hand as well as demand deposits with banks or financial institutions. Cash equivalents, excluding items classified as marketable securities, include short-term, highly liquid investments that are both readily convertible to known amounts of cash, and so near their maturity that they present insignificant risk of changes in value because of changes in interest rates. Generally, only investments with original maturities of three months or less qualify under that definition. Original maturity means original maturity to the entity holding the investment. For example, both a three-month US Treasury bill and a three-year Treasury note purchased three months from maturity qualify as cash equivalents. However, a Treasury note purchased three years ago does not become a cash equivalent when its remaining maturity is three months.</p>
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            <div class="body" style="padding: 2px;"><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div>
                <p>Loss recognized during the period that results from the write-down of goodwill after comparing the implied fair value of reporting unit goodwill with the carrying amount of that goodwill. Goodwill is assessed at least annually for impairment.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
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  <body><span style="display: none;">v2.4.0.6</span><table class="report" border="0" cellspacing="2" id="ID0EME">
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          <div style="width: 200px;"><strong>Litigation And Related Contingencies<br></strong></div>
        </th>
        <th class="th" colspan="1">9 Months Ended</th>
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          <div>Jan. 31, 2012</div>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_hrb_LitigationAndRelatedContingenciesAbstract', window );"><strong>Litigation And Related Contingencies [Abstract]</strong></a></td>
        <td class="text">&#xA0;<span></span></td>
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        <td class="pl" style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_ScheduleOfLossContingenciesByContingencyTextBlock', window );">Litigation And Related Contingencies</a></td>
        <td class="text"><div> <p style="margin-top: 18px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2"><b>14. Litigation and Related Contingencies</b> </font></p>

<p style="margin-top: 6px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">We are a defendant in a large number of litigation matters, arising both in the ordinary course of business and otherwise, including as described below. The matters described below are not all of the lawsuits to which we are subject. In some of the matters, very large and/or indeterminate amounts, including punitive damages, are sought. U.S. jurisdictions permit considerable variation in the assertion of monetary damages or other relief. Jurisdictions may permit claimants not to specify the monetary damages sought or may permit claimants to state only that the amount sought is sufficient to invoke the jurisdiction of the trial court. In addition, jurisdictions may permit plaintiffs to allege monetary damages in amounts well exceeding reasonably possible verdicts in the jurisdiction for similar matters. We believe that the monetary relief which may be specified in a lawsuit or claim bears little relevance to its merits or disposition value due to this variability in pleadings and our experience in litigating or resolving through settlement numerous claims over an extended period of time. </font></p>

<p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">The outcome of a litigation matter and the amount or range of potential loss at particular points in time may be difficult to ascertain. Among other things, uncertainties can include how fact finders will evaluate documentary evidence and the credibility and effectiveness of witness testimony, and how trial and appellate courts will apply the law. Disposition valuations are also subject to the uncertainty of how opposing parties and their counsel will themselves view the relevant evidence and applicable law. </font></p>

<p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">In addition to litigation matters, we are also subject to other claims and regulatory investigations arising out of our business activities, including as described below. </font></p>

<p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">We establish liabilities for litigation and regulatory loss contingencies when it is probable that a loss has been incurred and the amount of the loss can be reasonably estimated. Liabilities have been established for a number of the matters noted below. For such matters where a loss is believed to be reasonably possible, but not probable, no accrual has been made. It is possible that litigation and regulatory matters could require us to pay damages or make other expenditures or establish accruals in amounts that could not be reasonably estimated at January 31, 2012. While the potential future charges could be material in the particular quarterly or annual periods in which they are recorded, based on information currently known, we do not believe any such charges are likely to have a material adverse effect on our consolidated financial position, results of operations and cash flows. As of January 31, 2012, we have accrued $<font class="_mt">89.0</font> million, including obligations under certain indemnifications, compared to $<font class="_mt">70.6</font> million at April 30, 2011. </font></p>

<p style="margin-top: 18px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">Matters as to Which an Estimate Can Be Made </font></p>

<p style="margin-top: 6px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">For some matters, we are able to estimate a reasonably possible range of loss. For those matters, as of January 31, 2012, we estimate the aggregate range of reasonably possible losses in excess of amounts accrued to be approximately $<font class="_mt">0</font> to $<font class="_mt">61</font> million. </font></p>

<p style="margin-top: 18px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">Matters as to Which an Estimate Cannot Be Made </font></p>

<p style="margin-top: 6px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">For other matters, we are not currently able to estimate the reasonably possible loss or range of loss. We are often unable to estimate the possible loss or range of loss until developments in such matters have provided sufficient information to support an assessment of the range of possible loss, such as quantification of a damage demand from plaintiffs, discovery from other parties and investigation of factual allegations, rulings by the court on motions or appeals, analysis by experts, and the progress of settlement negotiations. On a quarterly and annual basis, we review relevant information with respect to litigation contingencies and update our accruals, disclosures and estimates of reasonably possible losses or ranges of loss based on such reviews. </font></p>

<p style="margin-top: 18px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">Litigation and Other Claims Pertaining to Discontinued Mortgage Operations </font></p>

<p style="margin-top: 6px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">Although SCC's mortgage loan origination activities ceased in December 2007 and SCC's loan servicing business was sold in April 2008, SCC and HRB have been, remain and may in the future be subject to investigations, claims and lawsuits pertaining to SCC's mortgage business activities that occurred prior to such termination and sale. These investigations, claims and lawsuits include actions by state and federal regulators, third party indemnitees, individual plaintiffs, and cases in which plaintiffs seek to represent a class of others alleged to be similarly situated. Among other things, these investigations, claims and lawsuits allege discriminatory or unfair and deceptive loan origination and servicing practices, fraud and other common law torts, rights to indemnification, and violations of securities laws, the Truth in Lending Act (TILA), Equal Credit Opportunity Act and the Fair Housing Act. Given the non-prime mortgage environment, the number of these investigations, claims and lawsuits has increased over time and is expected to continue to increase further. The amounts claimed in these investigations, claims and lawsuits are substantial in some instances, and the ultimate resulting liability is difficult to predict and thus in many cases cannot be reasonably estimated. In the event of unfavorable outcomes, the amounts that may be required to be paid in the discharge of liabilities or settlements could be substantial and could have a material impact on our consolidated financial position, results of operations and cash flows. Certain of these matters are described in more detail below. </font></p>

<p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" 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 <i>Cecil Barrett, et al. v. Option One Mortgage Corp., et al. </i>(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. SCC has filed a motion to decertify the class, which remains pending. A portion of our loss contingency accrual is related to this lawsuit for the amount of loss that we consider probable and estimable. We believe SCC has meritorious defenses to the claims in this case and it intends to defend the case vigorously, but there can be no assurances as to its outcome or its impact on our consolidated financial position, results of operations and cash flows. </font></p>

<p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" 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 <i>Jeanne Drake, et al. v. Option One Mortgage Corp., et al. </i>(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 </font><font style="font-family: Times New Roman;" class="_mt" size="2">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. On September 2, 2011, the court granted summary judgment in favor of the defendants on all claims. Plaintiffs have filed an appeal, which remains pending. We have not concluded that a loss related to this matter is probable nor have we established a loss contingency related to this matter. We believe we have meritorious defenses to the claims in this case and intend to defend the case vigorously, but there can be no assurances as to its outcome or its impact on our consolidated financial position, results of operations and cash flows. </font></p>

<p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" 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 <i>Federal Home Loan Bank of Chicago v. Bank of America Funding Corporation, et al.</i> against multiple defendants, including various SCC-related entities, H&amp;R Block, Inc. and other entities, arising out of FHLB's purchase of mortgage-backed securities. The plaintiff seeks rescission and damages under state securities law and for common law negligent misrepresentation in connection with its purchase of two securities originated and securitized by SCC. These two securities had a total initial principal amount of approximately $<font class="_mt">50</font> million, of which approximately $<font class="_mt">41</font> million remains outstanding. The plaintiff agreed to voluntarily dismiss H&amp;R Block, Inc. from the suit. The remaining defendants, including SCC, have filed motions to dismiss, which are pending. We have not concluded that a loss related to this matter is probable nor have we established a loss contingency related to this matter. We believe SCC has meritorious defenses to the claims in this case and intends to defend the case vigorously, but there can be no assurances as to its outcome or its impact on our consolidated financial position, results of operations and cash flows. </font></p><font style="font-family: Times New Roman;" class="_mt" size="2">
</font>
<p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">SCC has been working with the staff of the U.S. Securities and Exchange Commission in connection with the staff's investigation of matters related to eighteen RMBS transactions of SCC. Based on the progress of the investigation, the scope of which has continued to narrow in focus, SCC has offered to resolve the matter with the payment of approximately $<font class="_mt">28</font> million. As a result, SCC has established a liability as of January 31, 2012, which is included in our loss contingency accrual. Although we believe that this matter can be resolved on satisfactory terms, any resolution of this matter would require approval by the U.S. Securities and Exchange Commission and of the U.S District Court, neither of which has been obtained, and which we cannot provide assurance will be obtained on satisfactory terms or at all. </font></p>

<p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;">SCC or its subsidiaries entered into indemnification agreements with certain third parties that sold or underwrote the sale of securities. Some of those third parties are defendants in lawsuits where various other parties are seeking damages and other remedies based on the activities of such third parties in the sale of RMBS, including in some instances, SCC securitizations. SCC has received notices from some of these third parties for indemnification against losses, including defense costs, that those third parties might incur as a result of these lawsuits. We have not concluded that a loss related to any of these matters is probable nor have we established a loss contingency related to any of these matters. </p>

<p style="margin-top: 18px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">Employment-Related Claims and Litigation </font></p>

<p style="margin-top: 6px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">We have been named in several wage and hour class action lawsuits throughout the country, including <i>Alice Williams v. H&amp;R Block Enterprises LLC</i>, Case No. RG08366506 (Superior Court of California, County of Alameda, filed January 17, 2008) (alleging improper classification and failure to compensate for all hours worked and to provide meal periods to office managers in California); <i>Arabella Lemus, et al. v. H&amp;R Block Enterprises LLC, et al., </i>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); <i>Delana Ugas, et al. v. H&amp;R Block Enterprises LLC, et al., </i>Case No. BC417700 (United States District Court, Central District of California, filed July 13, 2009) (alleging failure to compensate tax professionals in California for all hours worked and to provide meal periods); and <i>Barbara Petroski, et al. v. H&amp;R Block Eastern Enterprises, Inc., et al., </i>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). </font></p>

<p style="margin-top: 0px; margin-bottom: 0px;"><font class="_mt" size="1"> </font></p>

<p style="margin-top: 0px; margin-bottom: 0px;" align="center">&nbsp;</p>

<p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">A class was certified in the <i>Lemus </i>case in December 2010 (consisting of tax professionals who worked in company-owned offices in California from 2007 to 2010); in the <i>Williams </i>case in March 2011 (consisting of office managers who worked in company-owned offices in California from 2004 to 2011); and in the <i>Ugas </i>case in August 2011 (consisting of tax professionals who worked in company-owned offices in California from 2006 to 2011). In <i>Petroski, </i>a conditional class was certified under the Fair Labor Standards Act in March 2011 (consisting of tax professionals nationwide who worked in company-owned offices and who were not compensated for certain training courses occurring on or after April 15, 2007). Two classes were also certified under state laws in California and New York (consisting of tax professionals who worked in company-owned offices in those states). A trial date has been set in the <i>Williams </i>case for April 30, 2012. </font></p>

<p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" 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 state and federal law, which could equal up to 30 days of wages per tax season for class members who worked in California. A portion of our loss contingency accrual is related to these lawsuits for the amount of loss that we consider probable and estimable. The amounts claimed in these matters are substantial in some instances and the ultimate liability with respect to these matters is difficult to predict. We believe we have meritorious defenses to the claims in these cases and intend to defend the cases vigorously, but there can be no assurances as to the outcome of these cases or their impact on our consolidated financial position, results of operations and cash flows, individually or in the aggregate. </font></p>

<p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">To avoid the cost and inherent risk associated with litigation, we reached an agreement to settle the <i>Lemus </i>case in January 2012, subject to approval by the federal court in California in which the case is pending. This settlement would require a maximum payment of $<font class="_mt">35</font> million, although the actual cost of the settlement would depend on the number of valid claims submitted by class members. The federal court granted preliminary approval of the settlement on February 10, 2012. A final approval hearing is scheduled to occur on May 10, 2012. We have recorded a liability for our estimate of the expected loss. If for any reason the settlement is not approved, we will continue to defend the case vigorously, but there can be no assurances as to its outcome or its impact on our consolidated financial position, results of operations and cash flows. </font></p>

<p style="margin-top: 18px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">RAL and <font style="text-transform: uppercase;" class="_mt">RAC </font>Litigation </font></p>

<p style="margin-top: 6px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">We have been named in a putative class action styled <i>Sandra J. Basile, et al. v. H&amp;R Block, Inc., et al.</i>, April Term 1992 Civil Action No. 3246 in the Court of Common Pleas, First Judicial District Court of Pennsylvania, Philadelphia County, instituted on April 23, 1993. The plaintiffs allege inadequate disclosures with respect to the RAL product and assert claims for violation of consumer protection statutes, negligent misrepresentation, breach of fiduciary duty, common law fraud, usury, and violation of the TILA. Plaintiffs seek unspecified actual and punitive damages, injunctive relief, attorneys' fees and costs. A Pennsylvania class was certified, but later decertified by the trial court in December 2003. An appellate court subsequently reversed the decertification decision. We are appealing the reversal. We have not concluded that a loss related to this matter is probable nor have we accrued a loss contingency related to this matter. We believe we have meritorious defenses to this case and intend to defend the case vigorously, but there can be no assurances as to the outcome of this case or its impact on our consolidated financial position, results of operations and cash flows. </font></p>

<p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">A series of class action lawsuits were filed against us in various federal courts beginning on November 17, 2011 concerning the RAL and RAC products, styled <i>Anthony Johnson v. H&amp;R Block, Inc., et. al. </i>(Case No. 2:11-cv-09577) (C.D. Cal.); <i>Norma Molina-Servin v. H&amp;R Block, Inc., et. al. </i>(Case No. 1:11-cv-08244) (N.D. Ill.); <i>William Wimbley v. H&amp;R Block, Inc., et. al.</i> (Case No. 1:11-cv-24159) (S.D. Fla.); <i>Sandy Morton v. H&amp;R Block, Inc., et. al.</i> (Case No. 4:11-cv-00859) (E.D. Ark.); <i>Iris Orta v. H&amp;R Block, Inc., et. al. </i>(Case No. 2:11-cv-01149) (E.D. Wis.); <i>Maggie Murchio v. H&amp;R Block, Inc., et. al.</i> (Case No.1:12-cv-00063) (W.D. Md.); and <i>Catherine Gaddy v. H&amp;R Block, Inc., et. al. </i>(Case No. 1:12-cv-00052) (M.D. N.C). The plaintiffs generally allege we engaged in unfair, deceptive and/or fraudulent acts in violation of various state consumer protection laws by facilitating RALs that were accompanied by allegedly inaccurate TILA disclosures, and by offering RACs without any </font><font style="font-family: Times New Roman;" class="_mt" size="2">TILA disclosures. Certain plaintiffs also allege violation of disclosure requirements of various state statutes expressly governing RALs and provisions of those statutes prohibiting tax preparers from charging or retaining certain fees. Collectively, the plaintiffs seek to represent clients who purchased RAL or RAC products in up to forty-two states and the District of Columbia during timeframes ranging from 2007 to the present. The plaintiffs seek equitable relief, disgorgement of profits, compensatory and statutory damages, restitution, civil penalties, attorneys' fees and costs. The plaintiffs filed a motion with the Judicial Panel on Multidistrict Litigation on December 9, 2011 to consolidate the cases before a single court for pretrial proceedings (<i>In Re Refund Anticipation Loan Litigation</i>, MDL No. 2334). This motion remains pending. We have not concluded that a loss related to this matter is probable nor have we accrued a loss contingency related to this matter. We believe we have meritorious defenses to the claims in these cases, and we intend to defend the cases vigorously, but there can be no assurances as to the outcome or the impact on our consolidated financial position, results of operations and cash flows. </font></p>

<p style="margin-top: 18px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">Express IRA Litigation </font></p>

<p style="margin-top: 6px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">We have one remaining lawsuit regarding our former Express IRA product. That case was filed on January 2, 2008 by the Mississippi Attorney General in the Chancery Court of Hinds County, Mississippi First Judicial District (Case No. G 2008 6 S 2) and is styled <i>Jim Hood, Attorney for the State of Mississippi v. H&amp;R Block, Inc., H&amp;R Block Financial Advisors, Inc</i>., <i>et al. </i>The complaint alleges fraudulent business practices, deceptive acts and practices, common law fraud and breach of fiduciary duty with respect to the sale of the product in Mississippi and seeks equitable relief, disgorgement of profits, damages and restitution, civil penalties and punitive damages. We believe we have meritorious defenses to the claims in this case and intend to defend the case vigorously, but there can be no assurances as to its outcome or its impact on our consolidated financial position, results of operations and cash flows. </font></p>

<p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" 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="margin-top: 18px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">Litigation and Claims Pertaining to the Discontinued Operations of RSM McGladrey </font></p>

<p style="margin-top: 6px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">On April 17, 2009, a shareholder derivative complaint was filed by Brian Menezes, derivatively and on behalf of nominal defendant International Textile Group, Inc. against McGladrey Capital Markets, LLC (MCM) in the Court of Common Pleas, Greenville County, South Carolina (C.A. No. 2009-CP-23-3346) styled <i>Brian P. Menezes, Derivatively on Behalf of Nominal Defendant, International Textile Group, Inc. (f/k/a Safety Components International, Inc.) v. McGladrey Capital Markets, LLC (f/k/a RSM EquiCo Capital Markets, LLC), et al.</i> Plaintiffs filed an amended complaint in October 2011 styled <i>In re International Textile Group Merger Litigation</i>, adding a putative class action claim against MCM. Plaintiffs allege claims of aiding and abetting, civil conspiracy, gross negligence and breach of fiduciary duty against MCM in connection with a fairness opinion MCM provided to the Special Committee of Safety Components International, Inc. (SCI) in 2006 regarding the merger between International Textile Group, Inc. and SCI. Plaintiffs seek actual and punitive damages, pre-judgment interest, attorneys' fees and costs. On February 8, 2012, the court dismissed plaintiffs' civil conspiracy claim against all defendants. Plaintiffs' other claims remain pending. We have not concluded that a loss related to this matter is probable nor have we established a loss contingency related to this matter. We believe we have meritorious defenses to the claims in this case and intend to defend the case vigorously, but there can be no assurances as to its outcome or its impact on our consolidated financial position, results of operations and cash flows. </font></p>

<p style="margin-top: 12px; text-indent: 32px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" 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 <i>Do Right's Plant Growers, et al. v. RSM EquiCo, Inc., et al. (the "RSM Parties"), </i>Case No. 06 CC00137, in the California Superior Court, Orange County. The complaint contains allegations relating to business valuation services provided by 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 </font><font style="font-family: Times New Roman;" class="_mt" size="2">court granted plaintiffs' motion for class certification on all claims. To avoid the cost and inherent risk associated with litigation, the parties reached an agreement to settle the case for a maximum payment of $<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 granted final approval of the settlement on October 20, 2011. We previously recorded a liability for our best estimate of the expected loss. The amount we paid during our third quarter did not exceed the amount we had previously accrued. </font></p>

<p style="margin-top: 18px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">Other </font></p>

<p style="margin-top: 6px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" class="_mt" size="2">We are from time to time party to investigations, claims and lawsuits not discussed herein arising out of our business operations. These investigations, claims and lawsuits may include actions by state attorneys general, other state regulators, federal regulators, individual plaintiffs, and cases in which plaintiffs seek to represent a class of others similarly situated. We believe we have meritorious defenses to each of these investigations, claims and lawsuits, and we are defending or intend to defend them vigorously. The amounts claimed in these matters are substantial in some instances; however, the ultimate liability with respect to such matters is difficult to predict. In the event of an unfavorable outcome, the amounts we may be required to pay in the discharge of liabilities or settlements could have a material impact on our consolidated financial position, results of operations and cash flows. </font></p>

<p style="margin-top: 12px; margin-bottom: 0px; margin-left: 4%;"><font style="font-family: Times New Roman;" 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 financial position, results of operations and cash flows. </font></p> </div><span></span></td>
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                <p>Tabular disclosure of the loss contingencies that were reported in the period or disclosed as of the balance sheet date.</p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;">
                <p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 460<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 2<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6851643&amp;loc=d3e12021-110248<br><br><br><br>Reference 2: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 450<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 1<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6952336&amp;loc=d3e14326-108349<br><br><br><br>Reference 3: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 450<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 10<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6952336&amp;loc=d3e14615-108349<br><br><br><br>Reference 4: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 450<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 4<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6952336&amp;loc=d3e14435-108349<br><br><br><br>Reference 5: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 450<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 9<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6952336&amp;loc=d3e14557-108349<br><br><br><br>Reference 6: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Statement of Financial Accounting Standard (FAS)<br><br> -Number 5<br><br> -Paragraph 9-12, 22-40<br><br> -LegacyDoc This reference is SUPERSEDED by the Accounting Standards Codification effective for interim and annual periods ending after September 15, 2009.  This reference is included to help users transition from the previous accounting hierarchy and will be removed from future versions of this taxonomy.<br><br><br><br>Reference 7: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 460<br><br> -SubTopic 10<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6851643&amp;loc=d3e12053-110248<br><br><br><br>Reference 8: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 450<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 3<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6952336&amp;loc=d3e14394-108349<br><br><br><br>Reference 9: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 450<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 6<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6952336&amp;loc=d3e14472-108349<br><br><br><br>Reference 10: http://www.xbrl.org/2003/role/presentationRef<br><br> -Publisher FASB<br><br> -Name Accounting Standards Codification<br><br> -Topic 450<br><br> -SubTopic 20<br><br> -Section 50<br><br> -Paragraph 5<br><br> -URI http://asc.fasb.org/extlink&amp;oid=6952336&amp;loc=d3e14453-108349<br><br><br><br></p>
              </div><a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;">
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