Note 10 – Other Assets



	June 30, 2018		December 31, 2017
Contingent loan repurchase asset	$	331,158	$	431,492
Debt service accounts	24,278		33,726
Prepaid expenses	15,603		22,559
Prepaid representation, warranty and indemnification claims - Agency MSR sale	15,173		20,173
Real estate	5,724		3,070
Prepaid lender fees, net	5,170		9,496
Derivatives, at fair value	4,998		5,429
Other restricted cash	3,412		9,179
Mortgage backed securities, at fair value	1,732		1,592
Interest-earning time deposits	1,694		4,739
Automotive dealer financing notes, net	22		—
Prepaid income taxes	—		5,621
Other	8,604		7,715
	$	417,568	$	554,791

Automotive dealer financing notes represent short-term inventory-secured floor plan loans. At December 31, 2017, the notes are reported net of an allowance of $7.7 million. Changes in the allowance are as follows:



	Three Months Ended June 30,						Six Months Ended June 30,
	2018			2017			2018			2017
Beginning balance	$	2,767		$	10,516		$	7,664		$	4,371
Provision	(512		)	(930		)	(265		)	5,215
Net charge-offs and other	(2,255		)	—			(7,399		)	—
Ending balance	$	—		$	9,586		$	—		$	9,586