<SEC-DOCUMENT>0001464343-18-000006.txt : 20180430
<SEC-HEADER>0001464343-18-000006.hdr.sgml : 20180430
<ACCEPTANCE-DATETIME>20180201180249
<PRIVATE-TO-PUBLIC>
ACCESSION NUMBER:		0001464343-18-000006
CONFORMED SUBMISSION TYPE:	CORRESP
PUBLIC DOCUMENT COUNT:		3
FILED AS OF DATE:		20180201

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			Atlanticus Holdings Corp
		CENTRAL INDEX KEY:			0001464343
		STANDARD INDUSTRIAL CLASSIFICATION:	PERSONAL CREDIT INSTITUTIONS [6141]
		IRS NUMBER:				582336689
		STATE OF INCORPORATION:			GA
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		CORRESP

	BUSINESS ADDRESS:	
		STREET 1:		FIVE CONCOURSE PARKWAY
		STREET 2:		SUITE 300
		CITY:			ATLANTA
		STATE:			GA
		ZIP:			30328
		BUSINESS PHONE:		770-828-2000

	MAIL ADDRESS:	
		STREET 1:		FIVE CONCOURSE PARKWAY
		STREET 2:		SUITE 300
		CITY:			ATLANTA
		STATE:			GA
		ZIP:			30328

	FORMER COMPANY:	
		FORMER CONFORMED NAME:	CompuCredit Holdings Corp
		DATE OF NAME CHANGE:	20090515
</SEC-HEADER>
<DOCUMENT>
<TYPE>CORRESP
<SEQUENCE>1
<FILENAME>filename1.htm
<TEXT>
<!DOCTYPE html PUBLIC "-//W3C//DTD HTML 4.01 Transitional//EN" "http://www.w3.org/TR/html4/loose.dtd">
<html>
	<head>
		<!-- Document created using Wdesk 1 -->
		<!-- Copyright 2018 Workiva -->
		<title>Document</title>
	</head>
	<body style="font-family:Times New Roman;font-size:10pt;">
<div><a name="sbf82062cab2a486581cca53072faa6a3"></a></div><div></div><div><br></div><div style="line-height:120%;padding-bottom:12px;padding-top:16px;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:97.265625%;border-collapse:collapse;text-align:left;"><tr><td colspan="4"></td></tr><tr><td style="width:40%;"></td><td style="width:20%;"></td><td style="width:20%;"></td><td style="width:20%;"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">Troutman Sanders LLP</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td colspan="2" rowspan="4" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div><img src="troutmangraphica08.jpg" alt="troutmangraphica08.jpg" style="height:68px;width:175px;"></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">600 Peachtree Street NE, Suite 5200</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">Atlanta, GA  30308-2216</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;height:20px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:Arial;font-size:10pt;">troutman.com</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr></table></div></div><div style="line-height:120%;padding-bottom:12px;padding-top:16px;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:97.265625%;border-collapse:collapse;text-align:left;"><tr><td colspan="4"></td></tr><tr><td style="width:40%;"></td><td style="width:20%;"></td><td style="width:20%;"></td><td style="width:20%;"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;font-weight:bold;">Paul Davis Fancher</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">paul.fancher@troutman.com</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">D 404.885.3310</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr></table></div></div><div style="line-height:120%;padding-bottom:12px;padding-top:16px;text-align:center;font-size:11pt;"><font style="font-family:Arial;font-size:11pt;"><br></font></div><div style="line-height:120%;padding-bottom:12px;padding-top:16px;text-align:center;font-size:11pt;"><font style="font-family:Arial;font-size:11pt;">February 1, 2018</font></div><div style="line-height:120%;padding-bottom:16px;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;padding-bottom:16px;text-align:left;font-size:11pt;"><font style="font-family:Arial;font-size:11pt;font-weight:bold;text-decoration:underline;">Via EDGAR</font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:Arial;font-size:11pt;">United States Securities and Exchange Commission</font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:Arial;font-size:11pt;">Division of Corporation Finance</font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:Arial;font-size:11pt;">100 F Street, N.E.</font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:Arial;font-size:11pt;">Mail Stop 4720</font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:Arial;font-size:11pt;">Washington, D.C.  20549</font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:Arial;font-size:11pt;">Attn:</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Arial;font-size:11pt;">Michael Volley</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:11pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:68.1640625%;border-collapse:collapse;text-align:left;"><tr><td colspan="2"></td></tr><tr><td style="width:11%;"></td><td style="width:89%;"></td></tr><tr><td style="vertical-align:top;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:11pt;"><font style="font-family:inherit;font-size:11pt;font-weight:bold;">Re:</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="font-size:11pt;"><font style="font-family:Arial;font-size:11pt;font-weight:bold;">Atlanticus Holdings Corporation</font></div><div style="font-size:11pt;"><font style="font-family:Arial;font-size:11pt;font-weight:bold;">Form 10-K for the Fiscal Year Ended December 31, 2016</font></div><div style="font-size:11pt;"><font style="font-family:Arial;font-size:11pt;font-weight:bold;">Response Dated January 2, 2018</font></div><div style="font-size:11pt;"><font style="font-family:Arial;font-size:11pt;font-weight:bold;">File No. 000-53717</font></div></td></tr></table></div></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:Arial;font-size:11pt;">Dear Mr. Volley:</font></div><div style="line-height:174%;text-align:left;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:11pt;"><font style="font-family:Arial;font-size:11pt;">This letter is being submitted in response to the comments provided by the Staff of the Division of Corporation Finance of the United States Securities and Exchange Commission (the &#8220;SEC&#8221;) set forth in your letter dated January 22, 2018 (the &#8220;Comment Letter&#8221;) to William R. McCamey, Chief Financial Officer of Atlanticus Holdings Corporation (the &#8220;Company&#8221;), with respect to the above-referenced SEC filing.</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:11pt;"><font style="font-family:Arial;font-size:11pt;">We are authorized by the Company to provide the responses contained in this letter on its behalf.  The terms &#8220;we,&#8221; &#8220;us,&#8221; and &#8220;our&#8221; in the responses refer to the Company.  For your convenience, we set forth each comment from the Comment Letter in bold typeface and include the Company&#8217;s response below it.  The numbered paragraphs in this letter correspond to the numbered paragraphs of the Comment Letter.</font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div><br></div><div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div><a name="s1ed61e42857540d3960d44b026922bbb"></a></div><div><div style="line-height:120%;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:99.609375%;border-collapse:collapse;text-align:left;"><tr><td colspan="3"></td></tr><tr><td style="width:33%;"></td><td style="width:33%;"></td><td style="width:34%;"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:Arial;font-size:10pt;">Michael Volley</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td rowspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div><img src="troutmangraphica09.jpg" alt="troutmangraphica09.jpg" style="height:32px;width:82px;"></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:Arial;font-size:10pt;">February 1, 2018</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr></table></div></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:Arial;font-size:10pt;">Page 2</font></div></div><div><br></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:Arial;font-size:11pt;font-weight:bold;text-decoration:underline;">Form 10-K for the Fiscal Year Ended December 31, 2016</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:Arial;font-size:11pt;font-weight:bold;text-decoration:underline;">Item 1. Business</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:Arial;font-size:11pt;font-weight:bold;text-decoration:underline;">How Do We Collect?, page 3</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:11pt;padding-left:0px;"><font style="font-family:inherit;font-size:10pt;">1.</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:Arial;font-size:11pt;font-weight:bold;">We note your response to comment one that you consider loans past due 90 days or more and re-aged as troubled debt restructurings.  Please revise future filings to include the disclosure required by ASC 310-40-50.</font></div></td></tr></table><div style="line-height:120%;text-align:left;padding-left:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:48px;font-size:11pt;"><font style="font-family:Arial;font-size:11pt;">Company Response:</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:48px;text-indent:48px;font-size:11pt;"><font style="font-family:Arial;font-size:11pt;">As requested, we will revise future filings to include the disclosure required by ASC 310-40-50.  First, we plan to include the following revised disclosure under &#8220;Item 1. Business-How Do We Collect?-Credit and Other Investments Segment&#8221; in future Form 10-K filings:</font></div><div style="line-height:120%;text-align:left;padding-left:96px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:96px;font-size:11pt;"><font style="font-family:Arial;font-size:11pt;">Additionally, we may re-age customer accounts that meet our qualifications for re-aging.  Re-aging involves changing the delinquency status of an account.  It is our policy to work cooperatively with customers demonstrating a willingness and ability to repay their indebtedness and who satisfy other criteria, but are unable to pay the entire past due amount.  Generally, to qualify for re-aging, an account must have been opened for at least nine months and may not be re-aged more than once in a twelve-month period or twice in a five-year period.  In addition, an account on a workout program may qualify for one additional re-age in a five-year period.  The customer also must have made three consecutive minimum monthly payments or the equivalent cumulative amount in the last three billing cycles.  If a re-aged account subsequently experiences payment defaults, it will again become contractually delinquent and will be charged off according to our regular charge-off policy.  The practice of re-aging an account may affect delinquencies and charge offs, potentially delaying or reducing such delinquencies and charge offs; however, this impact generally changes such delinquencies and charge offs by less than 10% and 5%, respectively.</font></div><div style="line-height:120%;text-align:left;padding-left:96px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:96px;font-size:11pt;"><font style="font-family:Arial;font-size:11pt;">Typically, once an account is 90 days or more past due, the account is placed on a non-accrual status.  Placement on a non-accrual status results in the elimination of the annual percentage rate (&#8220;APR&#8221;) charged to an account and a cessation of fee billing. Following this adjustment, if a customer demonstrates a willingness and ability to resume making monthly payments and meets the additional criteria discussed above, we will re-age the customer&#8217;s account.  When we re-age an account, we adjust the status of the account to bring a delinquent account current, but generally do not make any further modifications to the payment terms or amount owed. Thus we do not recognize an impairment or write-down solely due to the re-aging process.  Once an account is placed on a non-accrual status, it is closed for further purchases.  We believe that re-ages help our customers to manage difficult repayment periods, return to good standing and avoid further deterioration to their credit scores.  Accounts that are placed on a non-accrual status and thereafter make at least one payment qualify as troubled debt restructurings (&#8220;TDRs&#8221;).</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div><br></div><div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div><div style="line-height:120%;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:99.609375%;border-collapse:collapse;text-align:left;"><tr><td colspan="3"></td></tr><tr><td style="width:33%;"></td><td style="width:33%;"></td><td style="width:34%;"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:Arial;font-size:10pt;">Michael Volley</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td rowspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div><img src="troutmangraphica09.jpg" alt="troutmangraphica09.jpg" style="height:32px;width:82px;"></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:Arial;font-size:10pt;">February 1, 2018</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr></table></div></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:Arial;font-size:10pt;">Page 3</font></div></div><div><br></div><div style="line-height:120%;text-align:left;padding-left:96px;font-size:11pt;"><font style="font-family:Arial;font-size:11pt;">See Note 2, &#8220;Significant Accounting Policies and Consolidated Financial Statement Components-Loans and Fees Receivable-Troubled Debt Restructurings&#8221; to our consolidated financial statements included herein for further discussion of TDRs.</font></div><div style="line-height:120%;text-align:left;padding-left:96px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:48px;text-indent:48px;font-size:11pt;"><font style="font-family:Arial;font-size:11pt;">Second, we plan to include the following additional disclosure under Note 2 &#8220;Significant Accounting Policies and Consolidated Financial Statement Components-Loans and Fees Receivable&#8221; to future Financial Statements:</font></div><div style="line-height:120%;text-align:left;padding-left:96px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:96px;font-size:11pt;"><font style="font-family:Arial;font-size:11pt;font-style:italic;">Troubled Debt Restructurings</font></div><div style="line-height:120%;text-align:left;padding-left:96px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:96px;font-size:11pt;"><font style="font-family:Arial;font-size:11pt;">As part of ongoing collection efforts, once an account is 90 days or more past due, the account is placed on a non-accrual status.  Placement on a non-accrual status results in the elimination of the annual percentage rate (&#8220;APR&#8221;) charged to an account and a cessation of fee billing. Following this adjustment, if a customer demonstrates a willingness and ability to resume making monthly payments and meets certain additional criteria, we will re-age the customer&#8217;s account.  When we re-age an account, we adjust the status of the account to bring a delinquent account current, but generally do not make any further modifications to the payment terms or amount owed. Once an account is placed on a non-accrual status, it is closed for further purchases.  Accounts that are placed on a non-accrual status and thereafter make at least one payment qualify as troubled debt restructurings (&#8220;TDRs&#8221;).</font></div><div style="line-height:120%;text-align:left;padding-left:96px;font-size:11pt;"><font style="font-family:Arial;font-size:11pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:96px;font-size:11pt;"><font style="font-family:Arial;font-size:11pt;">The following table details by class of receivable, the number and amount of TDRs, including TDRs that have been re-aged</font><font style="font-family:inherit;font-size:11pt;">,</font><font style="font-family:Arial;font-size:11pt;">&#32;as of December 31, 2017 and December 31, 2016:</font></div><div style="line-height:120%;padding-bottom:9px;text-align:left;padding-left:96px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:90.64327485380117%;border-collapse:collapse;text-align:left;"><tr><td colspan="5"></td></tr><tr><td style="width:25%;"></td><td style="width:17%;"></td><td style="width:21%;"></td><td style="width:16%;"></td><td style="width:21%;"></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td colspan="4" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:Arial;font-size:10pt;">As of December 31,</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:Arial;font-size:10pt;">2017</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:Arial;font-size:10pt;">2016</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:Arial;font-size:10pt;">Point-of-Sale</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:Arial;font-size:10pt;">Direct-to-consumer</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:Arial;font-size:10pt;">Point-of-Sale</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:Arial;font-size:10pt;">Direct-to-consumer</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:10pt;"><font style="font-family:Arial;font-size:10pt;">Number of accounts on non-accrual status</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:Arial;font-size:10pt;">7,350</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:Arial;font-size:10pt;">1,449</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:10pt;"><font style="font-family:Arial;font-size:10pt;">Number of accounts on non-accrual status above that have been re-aged</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:Arial;font-size:10pt;">560</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:Arial;font-size:10pt;">9</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:10pt;"><font style="font-family:Arial;font-size:10pt;">Amount of receivables on non-accrual status (in thousands) </font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:Arial;font-size:10pt;">$10,346</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:Arial;font-size:10pt;">$4,728</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:10pt;"><font style="font-family:Arial;font-size:10pt;">Amount of receivables on non-accrual status above that have been re-aged (in thousands)</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:Arial;font-size:10pt;">$865</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:Arial;font-size:10pt;">$10</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:10pt;"><font style="font-family:Arial;font-size:10pt;">Carrying value of receivables on non-accrual status (in thousands)</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:Arial;font-size:10pt;">$2,432</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:Arial;font-size:10pt;">$474</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:10pt;"><font style="font-family:Arial;font-size:10pt;">TDRs - Performing (carrying value, in thousands)*</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:Arial;font-size:10pt;">$1,279</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:Arial;font-size:10pt;">$279</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:10pt;"><font style="font-family:Arial;font-size:10pt;">TDRs - Nonperforming (carrying value, in thousands)*</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:Arial;font-size:10pt;">$1,153</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:Arial;font-size:10pt;">$195</font></div></td></tr></table></div></div><div><br></div><div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div><div style="line-height:120%;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:99.609375%;border-collapse:collapse;text-align:left;"><tr><td colspan="3"></td></tr><tr><td style="width:33%;"></td><td style="width:33%;"></td><td style="width:34%;"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:Arial;font-size:10pt;">Michael Volley</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td rowspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div><img src="troutmangraphica09.jpg" alt="troutmangraphica09.jpg" style="height:32px;width:82px;"></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:Arial;font-size:10pt;">February 1, 2018</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr></table></div></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:Arial;font-size:10pt;">Page 4</font></div></div><div><br></div><div style="line-height:174%;text-align:left;padding-left:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:72px;font-size:11pt;"><font style="font-family:Arial;font-size:11pt;">*&#8220;TDRs - Performing&#8221; include accounts that are current on all amounts owed</font><font style="font-family:inherit;font-size:11pt;">,</font><font style="font-family:Arial;font-size:11pt;">&#32;while &#8220;TDRs - Nonperforming&#8221; include all accounts with past due amounts owed.</font></div><div style="line-height:120%;text-align:left;padding-left:96px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:96px;font-size:11pt;"><font style="font-family:Arial;font-size:11pt;">Given that the above TDRs have a high reserve rate associated with them prior to modification as TDRs, we do not separately reserve or impair these receivables outside of our general reserve process.</font></div><div style="line-height:120%;text-align:left;padding-left:96px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:96px;font-size:11pt;"><font style="font-family:Arial;font-size:11pt;">The following table details by class of receivable, the number of accounts and carrying value of loans that completed a modification within the prior twelve months and subsequently charged off.</font></div><div style="line-height:120%;text-align:left;padding-left:96px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:90.64327485380117%;border-collapse:collapse;text-align:left;"><tr><td colspan="5"></td></tr><tr><td style="width:25%;"></td><td style="width:17%;"></td><td style="width:21%;"></td><td style="width:16%;"></td><td style="width:21%;"></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:Arial;font-size:10pt;">2017</font></div></td><td colspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:Arial;font-size:10pt;">2016</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:Arial;font-size:10pt;">Point-of-Sale</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:Arial;font-size:10pt;">Direct-to-Consumer</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:Arial;font-size:10pt;">Point-of-Sale</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:Arial;font-size:10pt;">Direct-to-Consumer</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:10pt;"><font style="font-family:Arial;font-size:10pt;">Number of accounts </font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:Arial;font-size:10pt;">1,645</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:Arial;font-size:10pt;">381</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:10pt;"><font style="font-family:Arial;font-size:10pt;">Loan balance at time of charge off (in thousands)</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:Arial;font-size:10pt;">$1,681</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:10pt;"><font style="font-family:Arial;font-size:10pt;">$1,149</font></div></td></tr></table></div></div><div style="line-height:120%;text-align:left;padding-left:96px;font-size:11pt;"><font style="font-family:Arial;font-size:11pt;">&#160;&#160;</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:Arial;font-size:11pt;font-weight:bold;text-decoration:underline;">Item 7. Management&#8217;s Discussion and Analysis of Financial Condition and Results of Operations</font></div><div style="line-height:120%;text-align:left;padding-left:96px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:Arial;font-size:11pt;font-weight:bold;text-decoration:underline;">Definitions of Financial Operating and Statistical Measures, page 28</font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman; font-size:10pt;"><tr><td style="width:48px;"></td><td></td></tr><tr><td style="vertical-align:top"><div style="line-height:120%;font-size:11pt;padding-left:0px;"><font style="font-family:inherit;font-size:10pt;">2.</font></div></td><td style="vertical-align:top;"><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:Arial;font-size:11pt;font-weight:bold;">Please provide us a quantitative reconciliation to the most directly comparable GAAP measure for your non-GAAP measures Total Yield Ratio, Combined Gross Charge-off Ratio, and Adjusted Charge-off Ratio for the years ended 12/31/2016 and 12/31/2015.  Please clearly describe the nature of each adjustment and the reasons why the adjustments are relevant and useful.</font></div></td></tr></table><div style="line-height:120%;text-align:left;padding-left:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:48px;font-size:11pt;"><font style="font-family:Arial;font-size:11pt;">Company Response:</font></div><div style="line-height:120%;text-align:left;padding-left:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:48px;text-indent:48px;font-size:11pt;"><font style="font-family:Arial;font-size:11pt;">We believe the disclosure of Total Yield Ratio, Combined Gross Charge-off Ratio and Adjusted Charge-off Ratio is important because they provide investors with an important measure of the underlying performance of the receivables we purchase particularly given the varied methods of accounting for our receivables (e.g. Fair Value vs Net Book Value).  As there is no comparable GAAP measure for any of these ratios, we have provided below a calculation for each of these ratios for our Credit and Other Investments segment for each quarter in the years ended December 31, 2016 and December 31, 2015.  These ratios are calculated primarily from information included in the Company&#8217;s financial statements and related notes.  The below calculations include cross references to such information.    </font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:48px;text-indent:48px;font-size:11pt;"><font style="font-family:Arial;font-size:11pt;">For purposes of calculating these ratios, we have excluded the impact of rental revenues, given that we have provided separate earnings metrics for this portion of our operations in periods where it was material. The revenue recognition for this portion of our operations was based on rental streams collected (on a cash basis) and did not contribute any receivables to our Average Managed Receivables, which is the denominator used to calculate these ratios. Therefore, the inclusion of the impact of rental revenues would have inflated the yield ratios without a corresponding inclusion of the investments made in the rental inventory.  In addition, we exclude the impact of fair value adjustments for our receivables, as the fair value measurements do not provide an indication of the current performance of the underlying receivables.  Finally, we include </font></div><div><br></div><div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div><div style="line-height:120%;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:99.609375%;border-collapse:collapse;text-align:left;"><tr><td colspan="3"></td></tr><tr><td style="width:33%;"></td><td style="width:33%;"></td><td style="width:34%;"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:Arial;font-size:10pt;">Michael Volley</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td rowspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div><img src="troutmangraphica09.jpg" alt="troutmangraphica09.jpg" style="height:32px;width:82px;"></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:Arial;font-size:10pt;">February 1, 2018</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr></table></div></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:Arial;font-size:10pt;">Page 5</font></div></div><div><br></div><div style="line-height:120%;text-align:left;padding-left:48px;font-size:11pt;"><font style="font-family:Arial;font-size:11pt;">the economics of our ownership in receivables that are included in non-consolidated entities so that we may provide a complete understanding of our total credit and other investment portfolios. </font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="9"></td></tr><tr><td style="width:26%;"></td><td style="width:10%;"></td><td style="width:9%;"></td><td style="width:9%;"></td><td style="width:9%;"></td><td style="width:10%;"></td><td style="width:9%;"></td><td style="width:9%;"></td><td style="width:9%;"></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;font-weight:bold;">Total Yield Ratio (annualized, dollars in millions)</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;font-weight:bold;">12/31/2016</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;font-weight:bold;">9/30/2016</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;font-weight:bold;">6/30/2016</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;font-weight:bold;">3/30/2016</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;font-weight:bold;">12/31/2015</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;font-weight:bold;">9/30/2015</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;font-weight:bold;">6/30/2015</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;font-weight:bold;">3/30/2015</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">Consumer loans, including past due fees (Note 3 "Segment Reporting")</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$17.6</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$16.7</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$14.1</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$11.2</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$11.6</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$9.9</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$9.9</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$10.7</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">Fees and related income on earning assets (Note 3 "Segment Reporting")</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$3.5</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$0.1</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$5.8</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$7.8</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$10.5</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$16.7</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$12.7</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$13.1</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">Servicing income (Note 3 "Segment Reporting")</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$0.5</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$0.6</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$0.7</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$1.2</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$0.7</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$0.9</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$1.2</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$1.4</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">Other income and gain on repurchase of convertible senior notes (Income Statement Face)</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$0.2</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$0.1</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$1.1</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$0.1</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$0.1</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$0.1</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$0.1</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$0.3</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">Removal of Rental revenue (Note 2 "Significant Accounting Policies and Consolidated Financial Statement Components | Fees and Related Income on Earning Assets")</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$(0.1)</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$(0.8)</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$(3.1)</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$(4.2)</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$(7.3)</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$(9.4)</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$(9.3)</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$(10.1)</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">Removal of Changes in fair value (Note 2 "Significant Accounting Policies and Consolidated Financial Statement Components | Fees and Related Income on Earning Assets")</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$(2.4)</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$1.6 </font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$(1.5)</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$(3.1)</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$(1.6)</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$(3.4)</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$(1.6)</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$(0.9)</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">Inclusion of our economic share of (or equity interest in) the receivables we manage for our equity-method investee and other</font></div></td><td style="vertical-align:bottom;border-bottom:2px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$(0.1)</font></div></td><td style="vertical-align:bottom;border-bottom:2px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$(0.1)</font></div></td><td style="vertical-align:bottom;border-bottom:2px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$0.2</font></div></td><td style="vertical-align:bottom;border-bottom:2px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$0.5</font></div></td><td style="vertical-align:bottom;border-bottom:2px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$(0.5)</font></div></td><td style="vertical-align:bottom;border-bottom:2px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$0.1</font></div></td><td style="vertical-align:bottom;border-bottom:2px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$0.3</font></div></td><td style="vertical-align:bottom;border-bottom:2px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$(0.4)</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;font-weight:bold;">Total Yield</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;font-weight:bold;">$19.2</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;font-weight:bold;">$18.2</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;font-weight:bold;">$17.3</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;font-weight:bold;">$13.5</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;font-weight:bold;">$13.5</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;font-weight:bold;">$14.9</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;font-weight:bold;">$13.3</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;font-weight:bold;">$14.1</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">Average managed receivables</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$236.1</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$217.0 </font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$188.1</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$152.8</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$153.0</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$143.9</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$139.4</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$146.8</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;font-weight:bold;">Total Yield Ratio (annualized)</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;font-weight:bold;">32.6%</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;font-weight:bold;">33.5%</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;font-weight:bold;">36.8%</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;font-weight:bold;">35.4%</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;font-weight:bold;">35.2%</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;font-weight:bold;">41.3%</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;font-weight:bold;">38.1%</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;font-weight:bold;">38.3%</font></div></td></tr></table></div></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="9"></td></tr><tr><td style="width:26%;"></td><td style="width:10%;"></td><td style="width:9%;"></td><td style="width:9%;"></td><td style="width:9%;"></td><td style="width:10%;"></td><td style="width:9%;"></td><td style="width:9%;"></td><td style="width:9%;"></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;font-weight:bold;">Combined Gross Charge-Off Ratio (annualized, dollars in millions)</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;font-weight:bold;">12/31/2016</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;font-weight:bold;">9/30/2016</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;font-weight:bold;">6/30/2016</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;font-weight:bold;">3/30/2016</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;font-weight:bold;">12/31/2015</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;font-weight:bold;">9/30/2015</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;font-weight:bold;">6/30/2015</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;font-weight:bold;">3/30/2015</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">Chargeoffs, net of recoveries (Note 2 "Significant Accounting Policies and Consolidated Financial Statement Components | Loans and Fees Receivable")</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$11.5</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$6.5</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$5.9</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$5.8</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$6.1</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$4.9</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$5</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$7.4</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">Net chargeoffs associated with receivables accounted for at fair value and non-consolidated subsidiaries, net of recoveries</font></div></td><td style="vertical-align:bottom;border-bottom:2px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$1</font></div></td><td style="vertical-align:bottom;border-bottom:2px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$0.7</font></div></td><td style="vertical-align:bottom;border-bottom:2px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$1.1</font></div></td><td style="vertical-align:bottom;border-bottom:2px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$1.2</font></div></td><td style="vertical-align:bottom;border-bottom:2px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$0.3</font></div></td><td style="vertical-align:bottom;border-bottom:2px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$2.9</font></div></td><td style="vertical-align:bottom;border-bottom:2px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$1.1</font></div></td><td style="vertical-align:bottom;border-bottom:2px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$1.4</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;font-weight:bold;">Combined Gross Charge-Offs</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;font-weight:bold;">$12.5</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;font-weight:bold;">$7.2</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;font-weight:bold;">$7</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;font-weight:bold;">$7</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;font-weight:bold;">$6.4</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;font-weight:bold;">$7.8</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;font-weight:bold;">$6.1</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;font-weight:bold;">$8.8</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">Average managed receivables</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$236.1</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$217.0</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$188.1</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$152.8</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$153.0</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$143.9</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$139.4</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$146.8</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;font-weight:bold;">Combined Gross Charge-Off Ratio (annualized)</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;font-weight:bold;">21.1%</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;font-weight:bold;">13.3%</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;font-weight:bold;">14.9%</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;font-weight:bold;">18.2%</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;font-weight:bold;">16.8%</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;font-weight:bold;">21.5%</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;font-weight:bold;">17.4%</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;font-weight:bold;">23.8%</font></div></td></tr></table></div></div><div><br></div><div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div><div style="line-height:120%;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:99.609375%;border-collapse:collapse;text-align:left;"><tr><td colspan="3"></td></tr><tr><td style="width:33%;"></td><td style="width:33%;"></td><td style="width:34%;"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:Arial;font-size:10pt;">Michael Volley</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td rowspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div><img src="troutmangraphica09.jpg" alt="troutmangraphica09.jpg" style="height:32px;width:82px;"></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:Arial;font-size:10pt;">February 1, 2018</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr></table></div></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:Arial;font-size:10pt;">Page 6</font></div></div><div><br></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:center;font-size:9pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:100%;border-collapse:collapse;text-align:left;"><tr><td colspan="9"></td></tr><tr><td style="width:26%;"></td><td style="width:10%;"></td><td style="width:9%;"></td><td style="width:9%;"></td><td style="width:9%;"></td><td style="width:10%;"></td><td style="width:9%;"></td><td style="width:9%;"></td><td style="width:9%;"></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;font-weight:bold;">Adjusted Charge-off Ratio (annualized, dollars in millions)</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;font-weight:bold;">12/31/2016</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;font-weight:bold;">9/30/2016</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;font-weight:bold;">6/30/2016</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;font-weight:bold;">3/30/2016</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;font-weight:bold;">12/31/2015</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;font-weight:bold;">9/30/2015</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;font-weight:bold;">6/30/2015</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:center;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;font-weight:bold;">3/30/2015</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">Net principal chargeoffs (subset of Combined Gross Charge-Offs above)</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:justify;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$10.8 </font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$6.1 </font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$5.8 </font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$5.8</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$5.4 </font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$6.4</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$5.1 </font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$7.6 </font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">Discount accretion related to credit quality for acquired portfolios</font></div></td><td style="vertical-align:bottom;border-bottom:2px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$(0.3)</font></div></td><td style="vertical-align:bottom;border-bottom:2px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$(0.3)</font></div></td><td style="vertical-align:bottom;border-bottom:2px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$(0.3)</font></div></td><td style="vertical-align:bottom;border-bottom:2px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$(0.4)</font></div></td><td style="vertical-align:bottom;border-bottom:2px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$(0.5)</font></div></td><td style="vertical-align:bottom;border-bottom:2px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$(0.5)</font></div></td><td style="vertical-align:bottom;border-bottom:2px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$(0.5)</font></div></td><td style="vertical-align:bottom;border-bottom:2px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$(0.5)</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;font-weight:bold;">Adjusted Net Chargeoffs</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;font-weight:bold;">$10.5</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;font-weight:bold;">$5.8</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;font-weight:bold;">$5.5</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;font-weight:bold;">$5.4</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;font-weight:bold;">$4.9</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;font-weight:bold;">$5.9</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;font-weight:bold;">$4.6</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;font-weight:bold;">$7.1</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">Average managed receivables</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$236.1</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$217.0</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$188.1</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$152.8</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$153.0</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$143.9</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$139.4</font></div></td><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;">$146.8</font></div></td></tr><tr><td style="vertical-align:bottom;border-bottom:1px solid #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;font-weight:bold;">Adjusted Charge-off Ratio (annualized)</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;font-weight:bold;">17.8%</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;font-weight:bold;">10.7%</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;font-weight:bold;">11.7%</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;font-weight:bold;">14.1%</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;font-weight:bold;">12.9%</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;font-weight:bold;">16.5%</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;font-weight:bold;">13.2%</font></div></td><td style="vertical-align:bottom;border-bottom:3px double #000000;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;border-left:1px solid #000000;border-right:1px solid #000000;border-top:1px solid #000000;"><div style="text-align:left;font-size:9pt;"><font style="font-family:Arial;font-size:9pt;font-weight:bold;">19.2%</font></div></td></tr></table></div></div><div style="line-height:120%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:48px;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:48px;text-indent:48px;font-size:11pt;"><font style="font-family:Arial;font-size:11pt;">In order to clarify the calculation of these ratios, we plan to include in future periodic reports the following revised disclosure under &#8220;Management&#8217;s Discussion and Analysis of Financial Condition and Results of Operations-Consolidated Results of Operations-Definitions of Financial, Operating and Statistical Measures&#8221;:</font></div><div style="line-height:174%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:96px;text-indent:48px;font-size:11pt;"><font style="font-family:Arial;font-size:11pt;font-style:italic;font-weight:bold;">Total yield ratio.</font><font style="font-family:Arial;font-size:11pt;font-style:italic;">&#160;</font><font style="font-family:Arial;font-size:11pt;">Represents an annualized fraction, the numerator of which includes (as appropriate for each applicable disclosed segment) the: 1) finance charge and late fee income billed on all outstanding receivables and the amortization of the accretable yield component of our acquisition discounts for portfolio purchases, collectively included in the consumer loans, including past due fees category on our consolidated statements of income; plus 2) credit card fees (including over-limit fees, cash advance fees, returned check fees and interchange income), earned, amortized amounts of annual membership fees and activation fees with respect to certain credit card receivables, collectively included in our fees and related income on earning assets category on our consolidated statements of income; plus 3) servicing, other income and gains (or less losses) on debt repurchases and other activities collectively included in our other operating income category on our consolidated statements of income; plus 4) the inclusion of our economic share of (or equity interest in) the receivables we manage for our equity-method investee and other. The denominator used represents our average managed receivables.</font></div><div style="line-height:120%;text-align:left;padding-left:96px;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:96px;text-indent:48px;font-size:11pt;"><font style="font-family:Arial;font-size:11pt;font-style:italic;font-weight:bold;">Combined gross charge-off ratio.</font><font style="font-family:Arial;font-size:11pt;font-style:italic;">&#160;</font><font style="font-family:Arial;font-size:11pt;">Represents an annualized fraction the numerator of which is the aggregate amounts of finance charge, fee and principal losses from consumers unwilling or unable to pay their receivables balances, as well as from bankrupt and deceased consumers, less current-period recoveries (including recoveries from dealer reserve offsets for our CAR operations) as reflected in Note 2 &#8220;Significant Accounting Policies and Consolidated Financial Statement Components-Loans and Fees Receivable&#8221;, and the denominator of which is average managed receivables. Recoveries on managed receivables represent all amounts received related to managed receivables that previously have been charged off, including payments received directly from consumers and proceeds received from the sale of those charged-off receivables. Recoveries typically have represented less than 2% of average managed receivables.</font></div><div style="line-height:120%;text-align:left;padding-left:96px;text-indent:48px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;padding-left:96px;text-indent:48px;font-size:11pt;"><font style="font-family:Arial;font-size:11pt;font-style:italic;font-weight:bold;">Adjusted charge-off ratio.&#160;</font><font style="font-family:Arial;font-size:11pt;">Represents an annualized fraction the numerator of which is the principal amount of losses, net of recoveries as adjusted to apply discount accretion related to the credit quality of acquired portfolios to offset a portion of the actual </font></div><div><br></div><div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div><hr style="page-break-after:always"><div><div style="line-height:120%;text-align:center;font-size:10pt;"><div style="padding-left:0px;text-indent:0px;line-height:normal;padding-top:10px;"><table cellpadding="0" cellspacing="0" style="font-family:Times New Roman;font-size:10pt;margin-left:auto;margin-right:auto;width:99.609375%;border-collapse:collapse;text-align:left;"><tr><td colspan="3"></td></tr><tr><td style="width:33%;"></td><td style="width:33%;"></td><td style="width:34%;"></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:Arial;font-size:10pt;">Michael Volley</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td><td rowspan="2" style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div><img src="troutmangraphica09.jpg" alt="troutmangraphica09.jpg" style="height:32px;width:82px;"></div></td></tr><tr><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="text-align:left;font-size:10pt;"><font style="font-family:Arial;font-size:10pt;">February 1, 2018</font></div></td><td style="vertical-align:bottom;padding-left:2px;padding-top:2px;padding-bottom:2px;padding-right:2px;"><div style="overflow:hidden;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;">&#160;</font></div></td></tr></table></div></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:Arial;font-size:10pt;">Page 7</font></div></div><div><br></div><div style="line-height:120%;text-align:left;padding-left:96px;font-size:11pt;"><font style="font-family:Arial;font-size:11pt;">face amount of net charge offs, and the denominator of which is average managed receivables. (Historically, upon our acquisitions of credit card receivables, a portion of the discount reflected within our acquisition prices has related to the credit quality of the acquired receivables-that portion representing the excess of the face amount of the receivables acquired over the future cash flows expected to be collected from the receivables. Because we treat the credit quality discount component of our acquisition discount as related exclusively to acquired principal balances, the difference between our net charge offs and our adjusted charge offs for each respective reporting period represents the total dollar amount of our charge offs that were charged against our credit quality discount during each respective reporting period.)</font></div><div style="line-height:174%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:174%;padding-bottom:16px;text-align:center;font-size:11pt;"><font style="font-family:Arial;font-size:11pt;">*     *     *     *     *</font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:11pt;"><font style="font-family:Arial;font-size:11pt;">The Company appreciates the assistance the Staff has provided with its comments.  If you have any questions, please do not hesitate to call me at (404) 885-3310 or Brink Dickerson at (404) 885-3822.</font></div><div style="line-height:174%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:174%;text-align:left;padding-left:288px;font-size:11pt;"><font style="font-family:Arial;font-size:11pt;">Sincerely,</font></div><div style="line-height:120%;padding-top:32px;text-align:left;padding-left:288px;font-size:11pt;"><font style="font-family:Arial;font-size:11pt;text-decoration:underline;">/s/Paul Davis Fancher</font></div><div style="line-height:120%;text-align:left;padding-left:288px;font-size:11pt;"><font style="font-family:Arial;font-size:11pt;">Paul Davis Fancher</font></div><div style="line-height:174%;text-align:left;padding-left:288px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:174%;text-align:left;padding-left:288px;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;text-align:left;font-size:11pt;"><font style="font-family:Arial;font-size:11pt;">cc:</font><font style="font-family:inherit;font-size:10pt;">&#160;&#160;&#160;&#160;</font><font style="font-family:Arial;font-size:11pt;">William R. McCamey (Atlanticus Holdings Corporation)</font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:11pt;"><font style="font-family:inherit;font-size:10pt;"></font><font style="font-family:Arial;font-size:11pt;">Mitchell C. Saunders (Atlanticus Holdings Corporation)</font></div><div style="line-height:120%;text-align:left;text-indent:48px;font-size:11pt;"><font style="font-family:inherit;font-size:10pt;"></font><font style="font-family:Arial;font-size:11pt;">W. Brinkley Dickerson (Troutman Sanders LLP)</font></div><div style="line-height:174%;text-align:left;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div><div><br></div><div><div style="line-height:120%;font-size:10pt;"><font style="font-family:inherit;font-size:10pt;"><br></font></div></div>	</body>
</html>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>2
<FILENAME>troutmangraphica08.jpg
<TEXT>
begin 644 troutmangraphica08.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_X0 B17AI9@  34T *@    @  0$2  ,
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MU]C9VN'BX^3EYN?HZ>KQ\O/T]?;W^/GZ_\0 'P$  P$! 0$! 0$! 0
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M_N7N)I#ZEW))_$U^[P\,_P#!/;_HVW6/^^G_ /DZC_A&?^">W_1MFL?]]O\
M_)U>W@_%[A##04*55+\WZL\2><X*;O*M'\?\C\#Z*_?#_A&?^">__1MNL?\
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MQ%-^ZU?_ #,/XP?'7PG\ O##:QXNUNST6Q!VHTQ)DF;'W8XU!>1O9037Q_\
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M\4WZO5L^VX=I1AEU)16ZO\V&U<_=_2O@/_@NMX]DL?!?@/PS&W[O4KRYU&8
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M%[UP_P"TS_R;QXY_[ %]_P"D[UW'>N'_ &F?^3>/'/\ V +[_P!)WK[7,/\
M=*G^%_DSWL3_  I>C/P7K]2O^"&G_)LOB7_L9Y__ $EM:_+6OU*_X(:?\FR^
M)?\ L9Y__26UK^7/"7_DHE_AD?DO!G_(R^3'?\%R?^38?#?_ &-$'_I)>5^6
M=?J9_P %R?\ DV'PW_V-$'_I)>5^6=/Q<_Y*'_MV(^-/^1DO1'[N?LF(K?LP
M?#WY1_R+>G]O^G6.O0@BG^$=/2O/_P!DO_DV#X>_]BWIW_I+'7H*_P!*_I_*
MXKZE2_PQ_)'ZQAOX4?1"8V]!BOSK_P""\NIR+<_#.S#-Y1749F7LS?Z,H/X
MM^9K]%#]X_2OSC_X+R'/B+X9_P#7OJ/_ *%;5\;XI-KAO$6_N_\ I2/"XN=L
MJJ?+\T? VC:<=8UBUM%.UKJ9(0?0LP']:_H"\(^'[3PEX8T_2["WCM;'3[:.
MW@A086*-%"JH]@ *_ WX<_\ )0=#_P"PC;_^C%K^@*U.Z%/]T5\%X&TX\N*J
M6U]U?F?.^'\5RUI=?=_4>3N%>%_\%'_!5IXX_8Q\=PW,,<C6%@=1A9AS&\!$
M@93V/RD?1B.]>ZXVK7DW[<G_ "9]\2/^Q>O/_135^S<0TXU,LQ$)JZ<)?DS[
MG,HJ6$J)[<K_ "/PYK]3?^")7@RUT?\ 9JUC6%A3[=K&M2+++CYFCBCC6-"?
M0$N1[N:_+*OUH_X(P?\ )G7_ '&;O_V2OYK\(:499_>2VC)K\%^39^7<$Q3S
M%M](O]#ZXQ39%W(WTIU!Z5_5CVL?KQ^&O[<O@RU^'_[7/C[2[&-(;6/57FCC
M086,2@2[5'8#?@#MBO5O^"->K2:;^V9#$K?+?:-=P./508Y,?G&/RKB?^"F'
M_)\OQ _Z^H/_ $EAKK/^"/AQ^VOI?_8-N_\ T 5_(&5Q5+C.,:>B59KY<UC\
M5P:4<\48])O\S]?,X]J;@'^%:KZEJ5OH^G375U-';VUNC2RR2/M2-0,EB3P
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MZ'^%_FS\MX\_WFG_ (?U/UH_X(P?\F>#_L,W?_LE?7!Z5\C_ /!&#_DSP?\
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M444P&^6O]U?RIP&T444K) %%%%, (W#FF^6O]U?RIU%*R  -HXHHHI@%%%%
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M)#_W[KUL-D6-KQYXQLO/3_@F,L13B[-G]$@.11GFOYL/^(L/]J$_\P_X6?\
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M/'-,7\V-0,F&(#!/0]*_3S%($YYI6KRL5BJF(J>UJN[-H0459'P!_P %T?\
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M;W'V6^/\P*_FYK^D[_@[!TI]0_X)=V<RC*V/C739W]@8+N/^;BOYL:Y^%_\
M<GZLK%?Q#^O/_@D!$L/_  2[^ BKT/@C3&_$P*3_ #KZ1KYH_P"".=^FI?\
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M ,I6O@3_ -C5;_R:OZX1]ZOY'O\ @BK_ ,I6O@3_ -C5;_R:OZX1]ZM>+?\
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MABF0HS1E[IE# 'C*D>U<F'X=QL*L9RBK)KKYFDL53<6D?FS7],'_  :N<_\
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MPAOQB\%ZS;DDQ_VSIESICX[ ^5]H'XC\JX&3_@T7_:05R!XW^")YXSJ^J?\
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"_]D!

end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>3
<FILENAME>troutmangraphica09.jpg
<TEXT>
begin 644 troutmangraphica09.jpg
M_]C_X  02D9)1@ ! 0$ 8 !@  #_X0 B17AI9@  34T *@    @  0$2  ,
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MU]C9VN'BX^3EYN?HZ>KQ\O/T]?;W^/GZ_\0 'P$  P$! 0$! 0$! 0
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M_N7N)I#ZEW))_$U^[P\,_P#!/;_HVW6/^^G_ /DZC_A&?^">W_1MFL?]]O\
M_)U>W@_%[A##04*55+\WZL\2><X*;O*M'\?\C\#Z*_?#_A&?^">__1MNL?\
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MQ%-^ZU?_ #,/XP?'7PG\ O##:QXNUNST6Q!VHTQ)DF;'W8XU!>1O9037Q_\
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M\4WZO5L^VX=I1AEU)16ZO\V&U<_=_2O@/_@NMX]DL?!?@/PS&W[O4KRYU&8
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M%[UP_P"TS_R;QXY_[ %]_P"D[UW'>N'_ &F?^3>/'/\ V +[_P!)WK[7,/\
M=*G^%_DSWL3_  I>C/P7K]2O^"&G_)LOB7_L9Y__ $EM:_+6OU*_X(:?\FR^
M)?\ L9Y__26UK^7/"7_DHE_AD?DO!G_(R^3'?\%R?^38?#?_ &-$'_I)>5^6
M=?J9_P %R?\ DV'PW_V-$'_I)>5^6=/Q<_Y*'_MV(^-/^1DO1'[N?LF(K?LP
M?#WY1_R+>G]O^G6.O0@BG^$=/2O/_P!DO_DV#X>_]BWIW_I+'7H*_P!*_I_*
MXKZE2_PQ_)'ZQAOX4?1"8V]!BOSK_P""\NIR+<_#.S#-Y1749F7LS?Z,H/X
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M5P:4<\48])O\S]?,X]J;@'^%:KZEJ5OH^G375U-';VUNC2RR2/M2-0,EB3P
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MZ'^%_FS\MX\_WFG_ (?U/UH_X(P?\F>#_L,W?_LE?7!Z5\C_ /!&#_DSP?\
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M444P&^6O]U?RIP&T444K) %%%%, (W#FF^6O]U?RIU%*R  -HXHHHI@%%%%
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M)#_W[KUL-D6-KQYXQLO/3_@F,L13B[-G]$@.11GFOYL/^(L/]J$_\P_X6?\
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M/'-,7\V-0,F&(#!/0]*_3S%($YYI6KRL5BJF(J>UJN[-H0459'P!_P %T?\
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M;W'V6^/\P*_FYK^D[_@[!TI]0_X)=V<RC*V/C739W]@8+N/^;BOYL:Y^%_\
M<GZLK%?Q#^O/_@D!$L/_  2[^ BKT/@C3&_$P*3_ #KZ1KYH_P"".=^FI?\
M!+7X#2(P95\&:?$2/5(@A_537TO7P.,_CS]7^9Z5/X4%?-__  5Z4-_P2[^/
M>1_S(^J'G_KW:OI"OG'_ (*\_P#*+KX]?]B/JG_I.]&#_CP]5^82^$_D)K^F
M+_@U:Y_X)2V/_8TZI_.*OYG:_IB_X-6CC_@E+8_]C3JG\XJ^\XI_W->J_4\W
M"?&?BO\ \%Y+MKS_ (*[?'!FZC684Z]EL[=1^@%>8_\ !/O]NWQ1_P $Y_VB
M;?XE>$=*T#6=8MK"XT]+?6(YGMMDP 9B(I(VW #CYL<]*]._X+TV3:?_ ,%>
M/C<CC!;6()1D=GLK=A^A%</_ ,$ROV";C_@I)^U-:?#&S\3VWA&XO-.NM06_
MGLC>(/(4,4\L.AY!/.>,5Z5'V2R^+K?#RJ_I8RES>U]W>Y]N?\1?'[07_1/_
M (._^ .I?_)E'_$7Q^T#_P!$_P#@[_X ZE_\F5Z1_P 0<'B3_HO&B?\ A+2_
M_)-'_$'!XD_Z+QHG_A+2_P#R37A<V0^7_DQT_P"T_P!6/-O^(O;]H$C_ ))_
M\'?_  !U+_Y,K\VOVF?CYJG[4O[0'C#XC:Y:Z?8ZQXSU2;5KRWL5=;:&25MS
M+&'9F"CMEB?>OUN_X@X?$G_1>-#_ /"6E_\ DFIM,_X,W=:DO$%Y\?=+BM\_
M.T/A"21\>P-VH_6NG"X_)\,W.BTGZ,SE3KRTD1_\&<7A&>?Q[\=M>V$6MK8:
M/8!R.&>22[DP#["(9_WAZUQ?_!X%_P GE?"W_L2V_P#2Z>OV&_X)K_\ !.'P
M7_P3)_9_7P+X0GO=4FOKMM1UC6+U5%SJETRJNXA>$C55"I&,A0#DLS,Q_'C_
M (/ ?^3R?A;_ -B8W_I=/7EX#%QQ.<^VALT[?)6-JD7"ARL_._\ X)W?\I /
M@7_V4+0/_3E;U_8^#P?I7\<'_!.[_E(!\"_^RA:!_P"G*WK^Q\=#]*.+OXT/
M1_H&!V8ZBBBOD3N/YZ?^#J7_ ()YZW\-_P!I=/CYH>GS77@_QY#;V>N3PQEE
MTO4X8U@0R8^ZDT,<>UN\B2 \LN?R4M+N6RNHYX))(9H7$D<D;;6C8<@@CD$'
MO7]M'C?P-H_Q)\*:AH/B+2]/US1=6@:VO=/O[=;BVNXFX*2(P*LI]"*_,+]I
MO_@TV^!OQ9UZYU/X?^*/%7PPFNF+FQC5-6TV$GG]W'*5F4=>#.1TP!BOLLGX
MBITZ*H8F^FB>^GF<-;"MRYH'XP_#C_@K]^T_\)[*&WT;XY?$06]N L45]JKZ
M@D8'10+CS ![=*]=\'?\'*7[87A4JLWQ,L=:C3HFH>&M-;CW:.!'/XM7UAXP
M_P"#.;Q;9AO^$?\ CEX=U+^[_:'AN:RS]=D\U>6>,?\ @TA_:0T-))-+\4?"
M77$7[J1ZK>V\S_A):!!_WW7J?7,FJ_%R_-?YHQ5.O'N7/A1_P=P_'[PKJ, \
M6>#OAKXLT]2/-$-K<Z;=..^V59GC7\8C7ZL?\$P_^"XWPE_X*:-_86E_:O!O
MQ&A@,\WAG5959[A%&7>TF&%N%4<D820 $E HW5_.+^VE_P $U_C1_P $^]7L
MX?BEX+O-"L]3=HK#4X9H[S3KU@,E4GB9D#X!.QBKX&=N*\K^%'Q3U[X(?$O0
M_&'A?49])\1>&[Z+4=/O(3AH)HV#*?<<8(/!!(/!J<1D.!Q-'GPUD^C6W^01
MQ%2$K2/[8U7;2L,BO._V4/CG;_M-?LR_#_XA6T*V\?C3P_9:R8%;(MGG@21X
ML_[#,R_\!KT0=:_.Y1<9.+W1ZFX4444 %%%% !1110 4444 %%%%  #FBD+8
M7-?S^?&__@[/^-/A+XW>+M+\,>#/A+?>%M+UN]M-(GN['4&N;BSCG=('D9;Q
M4+F,(6*J 23@ <5V8++Z^+;C16QG4J1A\1_0'D^E&3Z5_.[%_P '>_Q\5?G^
M'?PB8^JVNHC_ -NS5B+_ (.^_CD$_>?#7X4LWJL=^!_Z4FO1_P!6\?\ RK[T
M9?6J9_0RQK\)?^#Q^TT9/'WP%GA6W_X2"2PUJ.\9<>:;59+(VX;OMWM<[?<O
M7E?BO_@[H_:'U?3I(-+\%_";1Y) 0+C[!?7$L?NH:ZV9_P!Y2/:OSU_:P_:^
M^(7[;OQ=N?''Q,\1W/B3Q!-$MLDCHD4-I I)2&&) $CC!9CM4<EF8Y9B3[&2
M9#B:&)5>M9)7Z[Z6,,1B82A:)G_LNVUQ>?M,_#N&S#&[E\3Z:D 7J7-W$%Q^
M.*_J4_X+IZ7-JW_!)+XXQ6X8LN@K.VW^Y'<PR/\ ^.JU?B3_ ,&WO_!./6_V
ML_VUM#^)&H:=-'\._A/?QZO<WTJ$17VIQ8DM+6(GAG63RYGQD*D8!P9$S_2!
M\<?A)IGQ[^#/BSP/K0?^R/&&D7>BWNP?,(;B%XG*_P"T Y(/J!6/$6,A]=II
M:\FK^]/]"L+!^S?F?Q3U_67_ ,$+?'.F^//^"3?P4N=-GCFCL=!&FSA#S%/;
MRR0R*P['<A//8@]"*_EZ_:S_ &6_%G[&'[0?B7X<^-;&2RUOPY=-"7V$17T.
M<Q7,1/WHI$PZGT.#@@@>G?L#?\%:_C9_P3?:]M_ASXBM_P#A']3G^TWF@ZM:
MB\TV>; 7S0F0\;D  M$Z%@JAL[1CW<XP,LPPT71:ONNS.>A4]E+WC^N[GTI<
MGTK^>#3O^#OGX\0VH%U\.?A+/,!\SQ6^H1*3]#=-_.K'_$8#\;O^B9_"W_OF
M_P#_ )(KY'_5O'_R_BCM^M4S[F_X.NUS_P $MK?_ +'/3/\ T5=5_-;7WA_P
M4:_X+\_$C_@I3^STOPY\5^#?!.A:6FJ6^K?:=)6Z%QYD*R*J_O977:?,.>,\
M"O@\#)K[#(L'5PN%=.MO=G!B)J<[Q/[0_P!DW_DUCX:_]BMI?_I)%7\^7_!V
M)_RE"T__ +$?3?\ THO*_H9_9T\/7/A+]GSP+I5[&T-YI?A[3[2XC88*21VT
M:,"/4$&OYYO^#L3_ )2A:?\ ]B/IO_I1>5\MPW_R,'Z/\SMQ7\,^:O\ @BK_
M ,I6O@3_ -C5;_R:OZX1]ZOY'O\ @BK_ ,I6O@3_ -C5;_R:OZX1]ZM>+?\
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MABF0HS1E[IE# 'C*D>U<F'X=QL*L9RBK)KKYFDL53<6D?FS7],'_  :N<_\
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MPAOQB\%ZS;DDQ_VSIESICX[ ^5]H'XC\JX&3_@T7_:05R!XW^")YXSJ^J?\
MROHHKZRCG&,<=9_@O\CC]E#L._XA%?VDO^AV^"'_ (.-3_\ E=7IO['7_!JO
M\7_@_P#M2?#WQ=XU\9?"V]\.^%?$-CK&H66FWE]//>1V\Z3&)1):1K\VS:<D
M<&BBBIFF*E"2<_P7^0X48<VQ^\_0U^7W_!='_@B%\1O^"HOQY\'^*_!OBKP5
MH-EX<T$Z1/%K4MTLLDAN))=R^5#(-N' Y(.0>***^<R^M.E74Z;LSKK13CJ?
M+7[+7_!J]\:O@9^TY\.?&VI>/_A==Z?X/\3Z;KEU!;3WYFFBMKN*9U0-;!=Y
M5"!D@9QDBOWG P***WS;%5:THNJ[D4(I1T"BBBO+-S\2?^"DW_!MY\=OVX/V
MW?B%\4['QU\+[6Q\5Z@LEE;7]U?K<6]K%#';P(^RU9=PCB3(!(SW->"W'_!H
ME^T2GF>7XZ^"S;?N[M4U-<_7_0#117U^'S+$PI1C&6ENR_R.&5.+=VB+_B$5
M_:2_Z';X(?\ @XU/_P"5U267_!HG^T4]POVGQU\%88?XFBU34Y&'T!L%'ZT4
M5JLVQ?\ /^"_R,_90['M_P "/^#/&.+4(;GXF_&5I;-"//T_PQI&R20=]MU<
M,0OXP&OU6_8M_P""?WPH_P""?O@&3P[\+_"MKHB701]0OY&,^H:HXSAIYV^=
M\?,0O"+N.U5R:**^?S#,,37ER59MKM_PQVT:4%LCVRBBBO+-0HHHH **** /
"_]D!

end
</TEXT>
</DOCUMENT>
</SEC-DOCUMENT>
