<SEC-DOCUMENT>0001683168-17-002774.txt : 20171030
<SEC-HEADER>0001683168-17-002774.hdr.sgml : 20171030
<ACCEPTANCE-DATETIME>20171030163256
ACCESSION NUMBER:		0001683168-17-002774
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		2
CONFORMED PERIOD OF REPORT:	20171024
ITEM INFORMATION:		Results of Operations and Financial Condition
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20171030
DATE AS OF CHANGE:		20171030

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CONSUMER PORTFOLIO SERVICES INC
		CENTRAL INDEX KEY:			0000889609
		STANDARD INDUSTRIAL CLASSIFICATION:	FINANCE SERVICES [6199]
		IRS NUMBER:				330459135
		STATE OF INCORPORATION:			CA
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-14116
		FILM NUMBER:		171162737

	BUSINESS ADDRESS:	
		STREET 1:		19500 JAMBOREE ROAD
		CITY:			IRVINE
		STATE:			CA
		ZIP:			92612
		BUSINESS PHONE:		9497536800

	MAIL ADDRESS:	
		STREET 1:		19500 JAMBOREE ROAD
		CITY:			IRVINE
		STATE:			CA
		ZIP:			92612
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>cps_8k.htm
<DESCRIPTION>FORM 8-K
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<!-- Field: Rule-Page --><DIV ALIGN="LEFT" STYLE="margin-bottom: 3pt"><DIV STYLE="font-size: 1pt; border-top: Black 2pt solid; border-bottom: Black 1pt solid; width: 100%">&nbsp;</DIV></DIV><!-- Field: /Rule-Page -->

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">SECURITIES AND EXCHANGE COMMISSION</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; text-align: center">WASHINGTON DC 20549</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">FORM 8-K</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">CURRENT REPORT</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">PURSUANT TO SECTION 13 OR 15(d) OF THE</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">SECURITIES EXCHANGE ACT OF 1934</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Date of Report (Date of earliest event reported)
October 24, 2017</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 100%; border-bottom: black 1pt solid; font-size: 10pt; text-align: center"><FONT STYLE="font-size: 12pt"><B>CONSUMER
    PORTFOLIO SERVICES, INC.</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt; text-align: center"><FONT STYLE="font-size: 10pt">(Exact Name of Registrant as Specified in Charter)</FONT></TD></TR>
</TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR>
    <TD STYLE="vertical-align: bottom; width: 34%; border-bottom: black 1pt solid; font-size: 10pt; text-align: center"><FONT STYLE="font-size: 10pt">CALIFORNIA</FONT></TD>
    <TD STYLE="width: 1%; border-bottom: white 3pt solid; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 32%; border-bottom: black 1pt solid; font-size: 10pt; text-align: center"><FONT STYLE="font-size: 10pt">1-14116</FONT></TD>
    <TD STYLE="width: 1%; border-bottom: white 3pt solid; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="vertical-align: bottom; width: 32%; border-bottom: black 1pt solid; font-size: 10pt; text-align: center"><FONT STYLE="font-size: 10pt">33-0459135</FONT></TD></TR>
<TR>
    <TD STYLE="vertical-align: top">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(State or Other Jurisdiction</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">of Incorporation)</P></TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(Commission</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">File Number)</P></TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="vertical-align: top">
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">(IRS Employer</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Identification No.)</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P></TD></TR>
</TABLE>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 100%; border-bottom: black 1pt solid; font-size: 10pt; text-align: center"><FONT STYLE="font-size: 10pt">3800 Howard Hughes Parkway, Suite 1400, Las Vegas, NV 89169</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt; text-align: center"><FONT STYLE="font-size: 10pt">(Address of Principal Executive Offices) (Zip Code)</FONT></TD></TR>
</TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">Registrant's telephone number, including
area code (949) 753-6800</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" STYLE="font: 10pt Times New Roman, Times, Serif; width: 100%">
<TR STYLE="vertical-align: top">
    <TD STYLE="width: 100%; border-bottom: black 1pt solid; font-size: 10pt; text-align: center"><FONT STYLE="font-size: 10pt">Not Applicable</FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt; text-align: center"><FONT STYLE="font-size: 10pt">(Former name or former address, if changed since last report)</FONT></TD></TR>
</TABLE>

<P STYLE="margin-top: 0; margin-bottom: 0">&nbsp;</P>
<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><BR>
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant
under any of the following provisions (see General Instruction A.2. below):</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Wingdings">o</FONT>&nbsp;Written communications
pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Wingdings">o</FONT>&nbsp;&nbsp;Soliciting
material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Wingdings">o</FONT>&nbsp;Pre-commencement
communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"><FONT STYLE="font-family: Wingdings">o</FONT>&nbsp;Pre-commencement
communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">Indicate by check mark whether the registrant is an emerging
growth company as defined in Rule 405 of the Securities Act of 1933 (&sect;230.405 of this chapter) or Rule 12b-2 of the Securities
Exchange Act of 1934 (&sect;240.12b-2 of this chapter).&#9;&#9;Emerging growth company <FONT STYLE="font-family: Wingdings">&#111;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">If an emerging growth company, indicate by check mark if the
registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards
provided pursuant to Section 13(a) of the Exchange Act. &#9;&#9;<FONT STYLE="font-family: Wingdings">&#111;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><B>ITEM 2.02 RESULTS OF OPERATIONS
AND FINANCIAL CONDITION.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">On October 24, 2017, the registrant announced its earnings for
the quarter ended September 30, 2017.&nbsp;&nbsp;A copy of the announcement is attached as an exhibit to this report.</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white"><B>ITEM 9.01. FINANCIAL STATEMENTS
AND EXHIBITS.</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white">&nbsp;&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white">One exhibit is included in this report:</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">99.1&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;<A HREF="cps_ex9901.htm">News release re earnings.</A></P>



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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0">&nbsp;</P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B></B></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>&nbsp;</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-align: center"><B>SIGNATURES</B></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">Pursuant to the requirements of the Securities
Exchange Act of 1934, as amended, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto
duly authorized.</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0; text-indent: 0.5in">&nbsp;</P>

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    <TD STYLE="width: 50%; font-size: 10pt">&nbsp;</TD>
    <TD STYLE="width: 50%; font-size: 10pt"><FONT STYLE="font-size: 10pt"><B>CONSUMER PORTFOLIO SERVICES, INC.</B></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD STYLE="font-size: 10pt">&nbsp;</TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">Dated: October 30, 2017</FONT></TD>
    <TD STYLE="font-size: 10pt"><FONT STYLE="font-size: 10pt">By: <U>/s/ Jeffrey P. Fritz&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</U></FONT></TD></TR>
<TR STYLE="vertical-align: top">
    <TD STYLE="font-size: 10pt">&nbsp;</TD>
    <TD>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 17pt">Jeffrey P. Fritz</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 17pt">Executive Vice President and Chief Financial
Officer</P>
        <P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 0 0pt 17pt">Signing on behalf of the registrant</P></TD></TR>
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<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>cps_ex9901.htm
<DESCRIPTION>CPS ANNOUNCES THIRD QUARTER 2017 EARNINGS
<TEXT>
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<P STYLE="margin: 0">Exhibit 99.1</P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

<P STYLE="font: 18pt Times New Roman, Times, Serif; margin: 0pt 0; background-color: white; color: #00539B"><B>CPS Announces Third
Quarter 2017 Earnings</B></P>

<P STYLE="margin-top: 0; margin-bottom: 0"><FONT STYLE="color: Black">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; background-color: white; color: #424242"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; color: Black">&middot;</FONT></TD><TD STYLE="padding-right: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; color: Black">Pretax
                                         income of $8.1 million</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; background-color: white; color: #424242"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; color: Black">&middot;</FONT></TD><TD STYLE="padding-right: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; color: Black">Net
                                         income of $4.7 million, or $0.17 per diluted share</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; background-color: white; color: #424242"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; color: Black">&middot;</FONT></TD><TD STYLE="padding-right: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; color: Black">New
                                         contract purchases of $205 million</FONT></TD></TR></TABLE>

<TABLE CELLPADDING="0" CELLSPACING="0" WIDTH="100%" STYLE="font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt; background-color: white; color: #424242"><TR STYLE="vertical-align: top">
<TD STYLE="width: 0"></TD><TD STYLE="width: 0.25in"><FONT STYLE="font-family: Symbol; color: Black">&middot;</FONT></TD><TD STYLE="padding-right: 0.25in"><FONT STYLE="font-family: Times New Roman, Times, Serif; color: Black">Total
                                         managed portfolio increases to $2.35 billion from $2.31 billion at December 31, 2016</FONT></TD></TR></TABLE>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 7.5pt 0pt 0; background-color: white"><FONT STYLE="color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 7.5pt 0pt 0; background-color: white"><FONT STYLE="color: Black; background-color: white">LAS
VEGAS, NV, Oct. 23, 2017 (GLOBE NEWSWIRE) --&nbsp;</FONT><FONT STYLE="color: Black">Consumer Portfolio Services, Inc. (Nasdaq:CPSS)
(&quot;CPS&quot; or the &quot;Company&quot;) today announced earnings of $4.7 million, or $0.17 per diluted share, for its third
quarter ended September 30, 2017.&nbsp; This compares to net income of $7.3 million, or $0.26 per diluted share, in the third
quarter of 2016.<BR></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 7.5pt 0pt 0; background-color: white"><FONT STYLE="color: Black">&nbsp;<BR></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 7.5pt 0pt 0; background-color: white; color: #424242"><FONT STYLE="color: Black">Revenues
for the third quarter of 2017 were $109.5 million, an increase of $1.0 million, or 0.9%, compared to $108.5 million for the
third quarter of 2016. Total operating expenses for the third quarter of 2017 were $101.4 million, an increase of $5.3
million, or 5.5%, compared to $96.1 million for the 2016 period. Pretax income for the third quarter of 2017 was $8.1 million
compared to pretax income of $12.5 million in the third quarter of 2016, a decrease of 34.9%.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 7.5pt 0pt 0; background-color: white; color: #424242">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 7.5pt 0pt 0; background-color: white; color: #424242"><FONT STYLE="color: Black">For
the nine months ended September 30, 2017 total revenues were $327.2 million compared to $314.1 million for the nine months ended
September 30, 2016, an increase of approximately $13.1 million, or 4.2%.&nbsp; Total expenses for the nine months ended September
30, 2017 were $303.3 million, an increase of $26.2 million, or 9.5%, compared to $277.1 million for the nine months ended September
30, 2016.&nbsp; Pretax income for the nine months ended September 30, 2017 was $23.9 million, compared to $37.0 million for the
nine months ended September 30, 2016.&nbsp; Net income for the nine months ended September 30, 2017 was $13.7 million compared
to $21.8 million for the nine months ended September 30, 2016.&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 7.5pt 0pt 0; background-color: white; color: #424242">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 7.5pt 0pt 0; background-color: white; color: #424242"><FONT STYLE="color: Black">During
the third quarter of 2017, CPS purchased $204.7 million of new contracts compared to $233.9 million during the second quarter
of 2017 and $242.1 million during the third quarter of 2016.&nbsp; The Company's managed receivables totaled $2.346 billion as
of September 30, 2017, an increase from $2.343 billion as of June 30, 2017 and $2.292 billion as of September 30, 2016.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 7.5pt 0pt 0; background-color: white; color: #424242">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 7.5pt 0pt 0; background-color: white; color: #424242"><FONT STYLE="color: Black">Annualized
net charge-offs for the third quarter of 2017 were 7.96% of the average owned portfolio as compared to 6.69% for the third quarter
of 2016. Delinquencies greater than 30 days (including repossession inventory) were 10.27% of the total owned portfolio
as of September 30, 2017, as compared to 10.46% as of September 30, 2016.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 7.5pt 0pt 0; background-color: white; color: #424242">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 7.5pt 0pt 0; background-color: white; color: #424242"><FONT STYLE="color: Black">In
October, 2017 our board of directors approved an increase to the aggregate authorization to repurchase our outstanding securities
by $10 million. During the third quarter of 2017, CPS purchased 1,189,660 shares of stock in the open market at an average price
of $4.28. For the nine months ended September 30, 2017, CPS purchased 2,292,070 shares at an average price of $4.51.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 7.5pt 0pt 0; background-color: white; color: #424242">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 7.5pt 0pt 0; background-color: white; color: #424242">&ldquo;<FONT STYLE="color: Black">Once
again, our quarterly results are in line with our expectations as the company continues to prosper in a challenging
environment,&rdquo; said Charles E. Bradley, Jr., Chairman and Chief Executive Officer. &ldquo;Our third and
fourth-quarter securitizations, completed in July and October, respectively, were both well received in the market, with the
fourth quarter deal pricing at the tightest weighted average spread since our 2014-B securitization. In addition, we continue
to return earnings to shareholders by purchasing shares of the Company's stock in the open market.&rdquo;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 7.5pt 0pt 0; background-color: white; color: #424242">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 7.5pt 0pt 0; background-color: white; color: #424242">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 7.5pt 0pt 0; background-color: white; color: #424242">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 7.5pt 0pt 0; background-color: white; color: #424242">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 7.5pt 0pt 0; background-color: white; color: #424242"></P>

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<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 7.5pt 0pt 0; background-color: white; color: #424242">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 7.5pt 0pt 0; background-color: white; color: #424242"><FONT STYLE="color: Black"><B>Conference
Call</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 7.5pt 0pt 0; background-color: white; color: #424242">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 7.5pt 0pt 0; background-color: white; color: #424242"><FONT STYLE="color: Black">CPS
announced that it will hold a conference call on Tuesday, October 24, 2017, at 1:00 p.m. ET to discuss its quarterly operating
results. Those wishing to participate by telephone may dial-in at 877 312-5502 or 253 237-1131 approximately 10 minutes
prior to the scheduled time. The conference identification number is 1857939.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 7.5pt 0pt 0; background-color: white">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 7.5pt 0pt 0; background-color: white"><FONT STYLE="color: Black">A
replay of the conference call will be available between October 24, 2017 and October 31, 2017, beginning two hours after conclusion
of the call, by dialing 855 859-2056 or 404 537-3406 for international participants, with conference identification number 1857939.
A broadcast of the conference call will also be available live and for 90 days after the call via the Company's web site
at&nbsp;www.consumerportfolio.com.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 7.5pt 0pt 0; background-color: white; color: #424242">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 7.5pt 0pt 0; background-color: white; color: #424242"><FONT STYLE="color: Black"><B>About
Consumer Portfolio Services, Inc.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 7.5pt 0pt 0; background-color: white; color: #424242">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 7.5pt 0pt 0; background-color: white; color: #424242"><FONT STYLE="color: Black">Consumer
Portfolio Services, Inc. is an independent specialty finance company that provides indirect automobile financing to individuals
with past credit problems, low incomes or limited credit histories. We purchase retail installment sales contracts primarily from
franchised automobile dealerships secured by late model used vehicles and, to a lesser extent, new vehicles. We fund these contract
purchases on a long-term basis primarily through the securitization markets and service the contracts over their lives.</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 7.5pt 0pt 0; background-color: white; color: #424242">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 7.5pt 0pt 0; background-color: white; color: #424242"><FONT STYLE="color: Black"><B>Forward-looking
statements in this news release include the Company's recorded revenue, expense and provision for credit losses, because these
items are dependent on the Company's estimates of incurred losses.&nbsp; The accuracy of such estimates may be adversely affected
by various factors, which include (in addition to risks relating to the economy generally) the following: possible increased delinquencies;
repossessions and losses on retail installment contracts; incorrect prepayment speed and/or discount rate assumptions; possible
unavailability of qualified personnel, which could adversely affect the Company's ability to service its portfolio; possible increases
in the rate of consumer bankruptcy filings, which could adversely affect the Company's rights to collect payments from its portfolio;
other changes in government regulations affecting consumer credit; possible declines in the market price for used vehicles, which
could adversely affect the Company's realization upon repossessed vehicles; and economic conditions in geographic areas in which
the Company's business is concentrated. All of such factors also may affect the Company's future financial results, as to which
there can be no assurance.&nbsp;Any implication that the results of the most recently completed quarter are indicative of future
results is disclaimed, and the reader should draw no such inference. Factors such as those identified above in relation to the
provision for credit losses may affect future performance.</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 7.5pt 0pt 0; background-color: white; color: #424242"><FONT STYLE="color: Black">&nbsp;</FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 7.5pt 0pt 0; background-color: white; color: #424242"><FONT STYLE="color: Black"><B>Investor
Relations Contact</B></FONT></P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 7.5pt 0pt 0; background-color: white; color: #424242">&nbsp;</P>

<P STYLE="font: 10pt Times New Roman, Times, Serif; margin: 0pt 7.5pt 0pt 0; background-color: white; color: #424242"><FONT STYLE="color: Black">Jeffrey
P. Fritz, Chief Financial Officer<BR>
<BR>
844 878-2777</FONT></P>



<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

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<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0"></P>

<P STYLE="text-align: center; color: #424242; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"></P>

<P STYLE="text-align: center; color: #424242; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="color: Black">Consumer
Portfolio Services, Inc. and Subsidiaries</FONT></P>

<P STYLE="text-align: center; color: #424242; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="color: Black">Condensed
Consolidated Statements of Operations</FONT></P>

<P STYLE="text-align: center; color: #424242; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="color: Black">(In
thousands, except per share data)</FONT></P>

<P STYLE="text-align: center; color: #424242; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="color: Black">(Unaudited)</FONT></P>

<P STYLE="color: #424242; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt">&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;</P>



<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #424242"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD COLSPAN="6" STYLE="color: #424242; text-align: center"><FONT STYLE="color: Black">Three months ended</FONT></TD><TD STYLE="padding-bottom: 1pt; color: #424242"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD COLSPAN="6" STYLE="color: #424242; text-align: center"><FONT STYLE="color: Black">Nine months ended</FONT></TD><TD STYLE="padding-bottom: 1pt; color: #424242"><FONT STYLE="color: Black">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD COLSPAN="6" STYLE="color: #424242; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="color: Black">September 30,</FONT></TD><TD STYLE="padding-bottom: 1pt; color: #424242"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD COLSPAN="6" STYLE="color: #424242; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="color: Black">September 30,</FONT></TD><TD STYLE="padding-bottom: 1pt; color: #424242"><FONT STYLE="color: Black">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="color: #424242; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="color: Black">2017</FONT></TD><TD STYLE="padding-bottom: 1pt; color: #424242"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="color: #424242; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="color: Black">2016</FONT></TD><TD STYLE="padding-bottom: 1pt; color: #424242"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="color: #424242; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="color: Black">2017</FONT></TD><TD STYLE="padding-bottom: 1pt; color: #424242"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="color: #424242; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="color: Black">2016</FONT></TD><TD STYLE="padding-bottom: 1pt; color: #424242"><FONT STYLE="color: Black">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(238,238,238)">
    <TD STYLE="color: #424242"><FONT STYLE="color: Black">Revenues:</FONT></TD><TD STYLE="color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="color: #424242"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; color: #424242"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="color: #424242"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; color: #424242"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="color: #424242"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; color: #424242"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="color: #424242"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; color: #424242"><FONT STYLE="color: Black">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="width: 40%; color: #424242; text-align: left; padding-bottom: 1pt"><FONT STYLE="color: Black">Interest income</FONT></TD><TD STYLE="width: 2%; color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="width: 1%; color: #424242; text-align: left"><FONT STYLE="color: Black">$</FONT></TD><TD STYLE="width: 11%; color: #424242; text-align: right"><FONT STYLE="color: Black">107,014</FONT></TD><TD STYLE="width: 1%; padding-bottom: 1pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="width: 2%; color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="width: 1%; color: #424242; text-align: left"><FONT STYLE="color: Black">$</FONT></TD><TD STYLE="width: 11%; color: #424242; text-align: right"><FONT STYLE="color: Black">105,376</FONT></TD><TD STYLE="width: 1%; padding-bottom: 1pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="width: 2%; color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="width: 1%; color: #424242; text-align: left"><FONT STYLE="color: Black">$</FONT></TD><TD STYLE="width: 11%; color: #424242; text-align: right"><FONT STYLE="color: Black">319,074</FONT></TD><TD STYLE="width: 1%; padding-bottom: 1pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="width: 2%; color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="width: 1%; color: #424242; text-align: left"><FONT STYLE="color: Black">$</FONT></TD><TD STYLE="width: 11%; color: #424242; text-align: right"><FONT STYLE="color: Black">303,748</FONT></TD><TD STYLE="width: 1%; padding-bottom: 1pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(238,238,238)">
    <TD STYLE="color: #424242; text-align: left; padding-bottom: 1pt"><FONT STYLE="color: Black">Other income</FONT></TD><TD STYLE="color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="color: #424242; text-align: left; border-bottom: Black 1pt solid"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; text-align: right; border-bottom: Black 1pt solid"><FONT STYLE="color: Black">2,474</FONT></TD><TD STYLE="padding-bottom: 1pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="color: #424242; text-align: left; border-bottom: Black 1pt solid"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; text-align: right; border-bottom: Black 1pt solid"><FONT STYLE="color: Black">3,140</FONT></TD><TD STYLE="padding-bottom: 1pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="color: #424242; text-align: left; border-bottom: Black 1pt solid"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; text-align: right; border-bottom: Black 1pt solid"><FONT STYLE="color: Black">8,084</FONT></TD><TD STYLE="padding-bottom: 1pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="color: #424242; text-align: left; border-bottom: Black 1pt solid"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; text-align: right; border-bottom: Black 1pt solid"><FONT STYLE="color: Black">10,351</FONT></TD><TD STYLE="padding-bottom: 1pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; text-align: right"><FONT STYLE="color: Black">109,488</FONT></TD><TD STYLE="padding-bottom: 1pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; text-align: right"><FONT STYLE="color: Black">108,516</FONT></TD><TD STYLE="padding-bottom: 1pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; text-align: right"><FONT STYLE="color: Black">327,158</FONT></TD><TD STYLE="padding-bottom: 1pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; text-align: right"><FONT STYLE="color: Black">314,099</FONT></TD><TD STYLE="padding-bottom: 1pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(238,238,238)">
    <TD STYLE="color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">Expenses:</FONT></TD><TD STYLE="color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; text-align: right"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; text-align: right"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; text-align: right"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; text-align: right"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="color: #424242; text-align: left; padding-bottom: 1pt; padding-left: 10pt"><FONT STYLE="color: Black">Employee costs</FONT></TD><TD STYLE="color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; text-align: right"><FONT STYLE="color: Black">18,455</FONT></TD><TD STYLE="padding-bottom: 1pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; text-align: right"><FONT STYLE="color: Black">16,688</FONT></TD><TD STYLE="padding-bottom: 1pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; text-align: right"><FONT STYLE="color: Black">53,807</FONT></TD><TD STYLE="padding-bottom: 1pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; text-align: right"><FONT STYLE="color: Black">47,510</FONT></TD><TD STYLE="padding-bottom: 1pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(238,238,238)">
    <TD STYLE="color: #424242; text-align: left; padding-bottom: 1pt; padding-left: 10pt"><FONT STYLE="color: Black">General and administrative</FONT></TD><TD STYLE="color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; text-align: right"><FONT STYLE="color: Black">6,355</FONT></TD><TD STYLE="padding-bottom: 1pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; text-align: right"><FONT STYLE="color: Black">6,316</FONT></TD><TD STYLE="padding-bottom: 1pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; text-align: right"><FONT STYLE="color: Black">20,096</FONT></TD><TD STYLE="padding-bottom: 1pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; text-align: right"><FONT STYLE="color: Black">18,216</FONT></TD><TD STYLE="padding-bottom: 1pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="color: #424242; padding-bottom: 1pt; padding-left: 10pt"><FONT STYLE="color: Black">Interest</FONT></TD><TD STYLE="color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; text-align: right"><FONT STYLE="color: Black">23,317</FONT></TD><TD STYLE="padding-bottom: 1pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; text-align: right"><FONT STYLE="color: Black">20,893</FONT></TD><TD STYLE="padding-bottom: 1pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; text-align: right"><FONT STYLE="color: Black">68,641</FONT></TD><TD STYLE="padding-bottom: 1pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; text-align: right"><FONT STYLE="color: Black">58,442</FONT></TD><TD STYLE="padding-bottom: 1pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(238,238,238)">
    <TD STYLE="color: #424242; text-align: left; padding-bottom: 1pt; padding-left: 10pt"><FONT STYLE="color: Black">Provision for credit losses</FONT></TD><TD STYLE="color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; text-align: right"><FONT STYLE="color: Black">47,336</FONT></TD><TD STYLE="padding-bottom: 1pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; text-align: right"><FONT STYLE="color: Black">46,262</FONT></TD><TD STYLE="padding-bottom: 1pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; text-align: right"><FONT STYLE="color: Black">143,053</FONT></TD><TD STYLE="padding-bottom: 1pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; text-align: right"><FONT STYLE="color: Black">134,881</FONT></TD><TD STYLE="padding-bottom: 1pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="color: #424242; text-align: left; padding-bottom: 1pt; padding-left: 10pt"><FONT STYLE="color: Black">Other expenses</FONT></TD><TD STYLE="color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="color: #424242; text-align: left; border-bottom: Black 1pt solid"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; text-align: right; border-bottom: Black 1pt solid"><FONT STYLE="color: Black">5,916</FONT></TD><TD STYLE="padding-bottom: 1pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="color: #424242; text-align: left; border-bottom: Black 1pt solid"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; text-align: right; border-bottom: Black 1pt solid"><FONT STYLE="color: Black">5,902</FONT></TD><TD STYLE="padding-bottom: 1pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="color: #424242; text-align: left; border-bottom: Black 1pt solid"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; text-align: right; border-bottom: Black 1pt solid"><FONT STYLE="color: Black">17,707</FONT></TD><TD STYLE="padding-bottom: 1pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="color: #424242; text-align: left; border-bottom: Black 1pt solid"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; text-align: right; border-bottom: Black 1pt solid"><FONT STYLE="color: Black">18,040</FONT></TD><TD STYLE="padding-bottom: 1pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(238,238,238)">
    <TD STYLE="color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="color: #424242; text-align: left; border-bottom: Black 1pt solid"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; text-align: right; border-bottom: Black 1pt solid"><FONT STYLE="color: Black">101,379</FONT></TD><TD STYLE="padding-bottom: 1pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="color: #424242; text-align: left; border-bottom: Black 1pt solid"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; text-align: right; border-bottom: Black 1pt solid"><FONT STYLE="color: Black">96,061</FONT></TD><TD STYLE="padding-bottom: 1pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="color: #424242; text-align: left; border-bottom: Black 1pt solid"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; text-align: right; border-bottom: Black 1pt solid"><FONT STYLE="color: Black">303,304</FONT></TD><TD STYLE="padding-bottom: 1pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="color: #424242; text-align: left; border-bottom: Black 1pt solid"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; text-align: right; border-bottom: Black 1pt solid"><FONT STYLE="color: Black">277,089</FONT></TD><TD STYLE="padding-bottom: 1pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="color: #424242; padding-bottom: 1pt">&nbsp;</TD><TD STYLE="color: #424242; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: #424242; text-align: left">&nbsp;</TD><TD STYLE="color: #424242; text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; color: #424242; text-align: left">&nbsp;</TD><TD STYLE="color: #424242; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: #424242; text-align: left">&nbsp;</TD><TD STYLE="color: #424242; text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; color: #424242; text-align: left">&nbsp;</TD><TD STYLE="color: #424242; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: #424242; text-align: left">&nbsp;</TD><TD STYLE="color: #424242; text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; color: #424242; text-align: left">&nbsp;</TD><TD STYLE="color: #424242; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: #424242; text-align: left">&nbsp;</TD><TD STYLE="color: #424242; text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; color: #424242; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(238,238,238)">
    <TD STYLE="color: #424242; text-align: left; padding-bottom: 1pt"><FONT STYLE="color: Black">Income before income taxes</FONT></TD><TD STYLE="color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; text-align: right"><FONT STYLE="color: Black">8,109</FONT></TD><TD STYLE="padding-bottom: 1pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; text-align: right"><FONT STYLE="color: Black">12,455</FONT></TD><TD STYLE="padding-bottom: 1pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; text-align: right"><FONT STYLE="color: Black">23,854</FONT></TD><TD STYLE="padding-bottom: 1pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; text-align: right"><FONT STYLE="color: Black">37,010</FONT></TD><TD STYLE="padding-bottom: 1pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="color: #424242; text-align: left; padding-bottom: 1pt; padding-left: 10pt"><FONT STYLE="color: Black">Income tax expense</FONT></TD><TD STYLE="color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="color: #424242; text-align: left; border-bottom: Black 1pt solid"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; text-align: right; border-bottom: Black 1pt solid"><FONT STYLE="color: Black">3,446</FONT></TD><TD STYLE="padding-bottom: 1pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="color: #424242; text-align: left; border-bottom: Black 1pt solid"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; text-align: right; border-bottom: Black 1pt solid"><FONT STYLE="color: Black">5,107</FONT></TD><TD STYLE="padding-bottom: 1pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="color: #424242; text-align: left; border-bottom: Black 1pt solid"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; text-align: right; border-bottom: Black 1pt solid"><FONT STYLE="color: Black">10,138</FONT></TD><TD STYLE="padding-bottom: 1pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="color: #424242; text-align: left; border-bottom: Black 1pt solid"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; text-align: right; border-bottom: Black 1pt solid"><FONT STYLE="color: Black">15,175</FONT></TD><TD STYLE="padding-bottom: 1pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(238,238,238)">
    <TD STYLE="color: #424242; text-align: left; padding-bottom: 2.5pt"><FONT STYLE="color: Black">&nbsp;Net income</FONT></TD><TD STYLE="color: #424242; padding-bottom: 2.5pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="color: #424242; text-align: left; border-bottom: Black 2.5pt double"><FONT STYLE="color: Black">$</FONT></TD><TD STYLE="color: #424242; text-align: right; border-bottom: Black 2.5pt double"><FONT STYLE="color: Black">4,663</FONT></TD><TD STYLE="padding-bottom: 2.5pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; padding-bottom: 2.5pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="color: #424242; text-align: left; border-bottom: Black 2.5pt double"><FONT STYLE="color: Black">$</FONT></TD><TD STYLE="color: #424242; text-align: right; border-bottom: Black 2.5pt double"><FONT STYLE="color: Black">7,348</FONT></TD><TD STYLE="padding-bottom: 2.5pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; padding-bottom: 2.5pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="color: #424242; text-align: left; border-bottom: Black 2.5pt double"><FONT STYLE="color: Black">$</FONT></TD><TD STYLE="color: #424242; text-align: right; border-bottom: Black 2.5pt double"><FONT STYLE="color: Black">13,716</FONT></TD><TD STYLE="padding-bottom: 2.5pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; padding-bottom: 2.5pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="color: #424242; text-align: left; border-bottom: Black 2.5pt double"><FONT STYLE="color: Black">$</FONT></TD><TD STYLE="color: #424242; text-align: right; border-bottom: Black 2.5pt double"><FONT STYLE="color: Black">21,835</FONT></TD><TD STYLE="padding-bottom: 2.5pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; text-align: right"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; text-align: right"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; text-align: right"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; text-align: right"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(238,238,238)">
    <TD STYLE="color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">Earnings per share:</FONT></TD><TD STYLE="color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; text-align: right"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; text-align: right"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; text-align: right"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; text-align: right"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="color: #424242; padding-bottom: 2.5pt; padding-left: 10pt"><FONT STYLE="color: Black">&nbsp;Basic</FONT></TD><TD STYLE="color: #424242; padding-bottom: 2.5pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="color: #424242; text-align: left; border-bottom: Black 2.5pt double"><FONT STYLE="color: Black">$</FONT></TD><TD STYLE="color: #424242; text-align: right; border-bottom: Black 2.5pt double"><FONT STYLE="color: Black">0.21</FONT></TD><TD STYLE="padding-bottom: 2.5pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; padding-bottom: 2.5pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="color: #424242; text-align: left; border-bottom: Black 2.5pt double"><FONT STYLE="color: Black">$</FONT></TD><TD STYLE="color: #424242; text-align: right; border-bottom: Black 2.5pt double"><FONT STYLE="color: Black">0.31</FONT></TD><TD STYLE="padding-bottom: 2.5pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; padding-bottom: 2.5pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="color: #424242; text-align: left; border-bottom: Black 2.5pt double"><FONT STYLE="color: Black">$</FONT></TD><TD STYLE="color: #424242; text-align: right; border-bottom: Black 2.5pt double"><FONT STYLE="color: Black">0.60</FONT></TD><TD STYLE="padding-bottom: 2.5pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; padding-bottom: 2.5pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="color: #424242; text-align: left; border-bottom: Black 2.5pt double"><FONT STYLE="color: Black">$</FONT></TD><TD STYLE="color: #424242; text-align: right; border-bottom: Black 2.5pt double"><FONT STYLE="color: Black">0.89</FONT></TD><TD STYLE="padding-bottom: 2.5pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(238,238,238)">
    <TD STYLE="color: #424242; padding-bottom: 2.5pt; padding-left: 10pt"><FONT STYLE="color: Black">&nbsp;Diluted</FONT></TD><TD STYLE="color: #424242; padding-bottom: 2.5pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="color: #424242; text-align: left; border-bottom: Black 2.5pt double"><FONT STYLE="color: Black">$</FONT></TD><TD STYLE="color: #424242; text-align: right; border-bottom: Black 2.5pt double"><FONT STYLE="color: Black">0.17</FONT></TD><TD STYLE="padding-bottom: 2.5pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; padding-bottom: 2.5pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="color: #424242; text-align: left; border-bottom: Black 2.5pt double"><FONT STYLE="color: Black">$</FONT></TD><TD STYLE="color: #424242; text-align: right; border-bottom: Black 2.5pt double"><FONT STYLE="color: Black">0.26</FONT></TD><TD STYLE="padding-bottom: 2.5pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; padding-bottom: 2.5pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="color: #424242; text-align: left; border-bottom: Black 2.5pt double"><FONT STYLE="color: Black">$</FONT></TD><TD STYLE="color: #424242; text-align: right; border-bottom: Black 2.5pt double"><FONT STYLE="color: Black">0.50</FONT></TD><TD STYLE="padding-bottom: 2.5pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; padding-bottom: 2.5pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="color: #424242; text-align: left; border-bottom: Black 2.5pt double"><FONT STYLE="color: Black">$</FONT></TD><TD STYLE="color: #424242; text-align: right; border-bottom: Black 2.5pt double"><FONT STYLE="color: Black">0.75</FONT></TD><TD STYLE="padding-bottom: 2.5pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; text-align: right"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; text-align: right"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; text-align: right"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; text-align: right"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(238,238,238)">
    <TD STYLE="color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; text-align: right"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; text-align: right"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; text-align: right"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; text-align: right"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="color: #424242; text-align: left; padding-bottom: 1pt"><FONT STYLE="color: Black">Number of shares used in computing
earnings per share:</FONT></TD><TD STYLE="color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; text-align: right"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; text-align: right"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; text-align: right"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; padding-bottom: 1pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; text-align: right"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="padding-bottom: 1pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(238,238,238)">
    <TD STYLE="color: #424242; padding-bottom: 2.5pt; padding-left: 10pt"><FONT STYLE="color: Black">&nbsp;Basic</FONT></TD><TD STYLE="color: #424242; padding-bottom: 2.5pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="color: #424242; text-align: left; border-bottom: Black 2.5pt double"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; text-align: right; border-bottom: Black 2.5pt double"><FONT STYLE="color: Black">22,473</FONT></TD><TD STYLE="padding-bottom: 2.5pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; padding-bottom: 2.5pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="color: #424242; text-align: left; border-bottom: Black 2.5pt double"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; text-align: right; border-bottom: Black 2.5pt double"><FONT STYLE="color: Black">23,894</FONT></TD><TD STYLE="padding-bottom: 2.5pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; padding-bottom: 2.5pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="color: #424242; text-align: left; border-bottom: Black 2.5pt double"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; text-align: right; border-bottom: Black 2.5pt double"><FONT STYLE="color: Black">23,019</FONT></TD><TD STYLE="padding-bottom: 2.5pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; padding-bottom: 2.5pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="color: #424242; text-align: left; border-bottom: Black 2.5pt double"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; text-align: right; border-bottom: Black 2.5pt double"><FONT STYLE="color: Black">24,574</FONT></TD><TD STYLE="padding-bottom: 2.5pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="color: #424242; padding-bottom: 2.5pt; padding-left: 10pt"><FONT STYLE="color: Black">&nbsp;Diluted</FONT></TD><TD STYLE="color: #424242; padding-bottom: 2.5pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="color: #424242; text-align: left; border-bottom: Black 2.5pt double"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; text-align: right; border-bottom: Black 2.5pt double"><FONT STYLE="color: Black">26,779</FONT></TD><TD STYLE="padding-bottom: 2.5pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; padding-bottom: 2.5pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="color: #424242; text-align: left; border-bottom: Black 2.5pt double"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; text-align: right; border-bottom: Black 2.5pt double"><FONT STYLE="color: Black">28,503</FONT></TD><TD STYLE="padding-bottom: 2.5pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; padding-bottom: 2.5pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="color: #424242; text-align: left; border-bottom: Black 2.5pt double"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; text-align: right; border-bottom: Black 2.5pt double"><FONT STYLE="color: Black">27,606</FONT></TD><TD STYLE="padding-bottom: 2.5pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; padding-bottom: 2.5pt"><FONT STYLE="color: Black">&nbsp;</FONT></TD>
    <TD STYLE="color: #424242; text-align: left; border-bottom: Black 2.5pt double"><FONT STYLE="color: Black">&nbsp;</FONT></TD><TD STYLE="color: #424242; text-align: right; border-bottom: Black 2.5pt double"><FONT STYLE="color: Black">29,253</FONT></TD><TD STYLE="padding-bottom: 2.5pt; color: #424242; text-align: left"><FONT STYLE="color: Black">&nbsp;</FONT></TD></TR>
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<P STYLE="text-align: center; color: #424242; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="color: Black">Condensed Consolidated Balance Sheets</FONT></P>

<P STYLE="text-align: center; color: #424242; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="color: Black">(In thousands)</FONT></P>

<P STYLE="text-align: center; color: #424242; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="color: Black">(Unaudited)</FONT></P>



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<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="color: Black; text-align: center">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="color: Black; text-align: center">September 30,</TD><TD STYLE="padding-bottom: 1pt; color: Black">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="color: Black; text-align: center">December 31,</TD><TD STYLE="padding-bottom: 1pt; color: Black">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="color: Black; text-align: center; padding-bottom: 1pt">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="color: Black; text-align: center; border-bottom: Black 1pt solid">2017</TD><TD STYLE="padding-bottom: 1pt; color: Black">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="color: Black; text-align: center; border-bottom: Black 1pt solid">2016</TD><TD STYLE="padding-bottom: 1pt; color: Black">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="color: Black">Assets:</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="color: Black">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; color: Black">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="color: Black; text-align: center">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; color: Black">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(238,238,238)">
    <TD STYLE="width: 66%; color: Black; text-align: left; padding-bottom: 1pt; padding-left: 10pt">Cash and cash equivalents</TD><TD STYLE="width: 2%; color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="width: 1%; color: Black; text-align: left">$</TD><TD STYLE="width: 13%; color: Black; text-align: right">12,038</TD><TD STYLE="width: 1%; padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD><TD STYLE="width: 2%; color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="width: 1%; color: Black; text-align: left">$</TD><TD STYLE="width: 13%; color: Black; text-align: right">13,936</TD><TD STYLE="width: 1%; padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="color: Black; text-align: left; padding-bottom: 1pt; padding-left: 10pt">Restricted cash and equivalents</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left; border-bottom: Black 1pt solid">&nbsp;</TD><TD STYLE="color: Black; text-align: right; border-bottom: Black 1pt solid">115,026</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left; border-bottom: Black 1pt solid">&nbsp;</TD><TD STYLE="color: Black; text-align: right; border-bottom: Black 1pt solid">112,754</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(238,238,238)">
    <TD STYLE="color: Black; text-align: left; padding-bottom: 1pt">Total cash and cash equivalents</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">127,064</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">126,690</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="color: Black; text-align: left; padding-bottom: 1pt">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(238,238,238)">
    <TD STYLE="color: Black; text-align: left; padding-bottom: 1pt; padding-left: 10pt">Finance receivables</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">2,317,727</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">2,267,943</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="color: Black; text-align: left; padding-bottom: 1pt; padding-left: 10pt">Allowance for finance credit losses</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left; border-bottom: Black 1pt solid">&nbsp;</TD><TD STYLE="color: Black; text-align: right; border-bottom: Black 1pt solid">(108,619</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">)</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left; border-bottom: Black 1pt solid">&nbsp;</TD><TD STYLE="color: Black; text-align: right; border-bottom: Black 1pt solid">(95,578</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">)</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(238,238,238)">
    <TD STYLE="color: Black; text-align: left; padding-bottom: 1pt">Finance receivables, net</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">2,209,108</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">2,172,365</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="color: Black; text-align: left; padding-bottom: 1pt">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(238,238,238)">
    <TD STYLE="color: Black; text-align: left; padding-bottom: 1pt">Deferred tax assets, net</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">47,652</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">42,845</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="color: Black; text-align: left; padding-bottom: 1pt">Other assets</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left; border-bottom: Black 1pt solid">&nbsp;</TD><TD STYLE="color: Black; text-align: right; border-bottom: Black 1pt solid">66,561</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left; border-bottom: Black 1pt solid">&nbsp;</TD><TD STYLE="color: Black; text-align: right; border-bottom: Black 1pt solid">68,502</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(238,238,238)">
    <TD STYLE="color: Black; padding-bottom: 2.5pt">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 2.5pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left; border-bottom: Black 2.5pt double">$</TD><TD STYLE="color: Black; text-align: right; border-bottom: Black 2.5pt double">2,450,385</TD><TD STYLE="padding-bottom: 2.5pt; color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 2.5pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left; border-bottom: Black 2.5pt double">$</TD><TD STYLE="color: Black; text-align: right; border-bottom: Black 2.5pt double">2,410,402</TD><TD STYLE="padding-bottom: 2.5pt; color: Black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(238,238,238)">
    <TD STYLE="color: Black; text-align: left; padding-bottom: 1pt">Liabilities and Shareholders' Equity:</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="color: Black; text-align: left; padding-bottom: 1pt; padding-left: 10pt">Accounts payable and accrued expenses</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">$</TD><TD STYLE="color: Black; text-align: right">29,262</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">$</TD><TD STYLE="color: Black; text-align: right">24,977</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(238,238,238)">
    <TD STYLE="color: Black; text-align: left; padding-bottom: 1pt; padding-left: 10pt">Warehouse lines of credit</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">106,632</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">103,358</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="color: Black; text-align: left; padding-bottom: 1pt; padding-left: 10pt">Securitization trust debt</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">2,103,567</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">2,080,900</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(238,238,238)">
    <TD STYLE="color: Black; text-align: left; padding-bottom: 1pt; padding-left: 10pt">Subordinated renewable notes</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left; border-bottom: Black 1pt solid">&nbsp;</TD><TD STYLE="color: Black; text-align: right; border-bottom: Black 1pt solid">16,229</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left; border-bottom: Black 1pt solid">&nbsp;</TD><TD STYLE="color: Black; text-align: right; border-bottom: Black 1pt solid">14,949</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">2,255,690</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">2,224,184</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(238,238,238)">
    <TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="color: Black; text-align: left; padding-bottom: 1pt">Shareholders' equity</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left; border-bottom: Black 1pt solid">&nbsp;</TD><TD STYLE="color: Black; text-align: right; border-bottom: Black 1pt solid">194,695</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left; border-bottom: Black 1pt solid">&nbsp;</TD><TD STYLE="color: Black; text-align: right; border-bottom: Black 1pt solid">186,218</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(238,238,238)">
    <TD STYLE="color: Black; padding-bottom: 2.5pt">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 2.5pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left; border-bottom: Black 2.5pt double">$</TD><TD STYLE="color: Black; text-align: right; border-bottom: Black 2.5pt double">2,450,385</TD><TD STYLE="padding-bottom: 2.5pt; color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 2.5pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left; border-bottom: Black 2.5pt double">$</TD><TD STYLE="color: Black; text-align: right; border-bottom: Black 2.5pt double">2,410,402</TD><TD STYLE="padding-bottom: 2.5pt; color: Black; text-align: left">&nbsp;</TD></TR>
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<P STYLE="color: #424242; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="color: Black">Operating
and Performance Data ($ in millions)</FONT></P>

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<P STYLE="color: #424242; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="color: Black">&nbsp;
&nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp; &nbsp;</FONT></P>



<P STYLE="margin: 0"><FONT STYLE="color: Black">&nbsp;</FONT></P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 10pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="6" STYLE="color: Black; text-align: center">At and for the</TD><TD STYLE="padding-bottom: 1pt; color: Black">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="6" STYLE="color: Black; text-align: center">At and for the</TD><TD STYLE="padding-bottom: 1pt; color: Black">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="color: Black">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="6" STYLE="color: Black; text-align: center">Three months ended</TD><TD STYLE="padding-bottom: 1pt; color: Black">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="6" STYLE="color: Black; text-align: center">Nine months ended</TD><TD STYLE="padding-bottom: 1pt; color: Black">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="6" STYLE="color: Black; text-align: center; border-bottom: Black 1pt solid">September 30,</TD><TD STYLE="padding-bottom: 1pt; color: Black">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="6" STYLE="color: Black; text-align: center; border-bottom: Black 1pt solid">September 30,</TD><TD STYLE="padding-bottom: 1pt; color: Black">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="color: Black; text-align: center; border-bottom: Black 1pt solid">2017</TD><TD STYLE="padding-bottom: 1pt; color: Black">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="color: Black; text-align: center; border-bottom: Black 1pt solid">2016</TD><TD STYLE="padding-bottom: 1pt; color: Black">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="color: Black; text-align: center; border-bottom: Black 1pt solid">2017</TD><TD STYLE="padding-bottom: 1pt; color: Black">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="color: Black; text-align: center; border-bottom: Black 1pt solid">2016</TD><TD STYLE="padding-bottom: 1pt; color: Black">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="color: Black">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="color: Black">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; color: Black">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="color: Black">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; color: Black">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="color: Black">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; color: Black">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD COLSPAN="2" STYLE="color: Black">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; color: Black">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(238,238,238)">
    <TD STYLE="width: 40%; color: Black; text-align: left; padding-bottom: 1pt">Contracts purchased</TD><TD STYLE="width: 2%; color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="width: 1%; color: Black; text-align: left">$</TD><TD STYLE="width: 11%; color: Black; text-align: right">204.74</TD><TD STYLE="width: 1%; padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD><TD STYLE="width: 2%; color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="width: 1%; color: Black; text-align: left">$</TD><TD STYLE="width: 11%; color: Black; text-align: right">242.09</TD><TD STYLE="width: 1%; padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD><TD STYLE="width: 2%; color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="width: 1%; color: Black; text-align: left">$</TD><TD STYLE="width: 11%; color: Black; text-align: right">668.28</TD><TD STYLE="width: 1%; padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD><TD STYLE="width: 2%; color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="width: 1%; color: Black; text-align: left">$</TD><TD STYLE="width: 11%; color: Black; text-align: right">873.50</TD><TD STYLE="width: 1%; padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="color: Black; text-align: left; padding-bottom: 1pt">Contracts securitized</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">230.00</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">325.00</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">670.00</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">1,005.00</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(238,238,238)">
    <TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="color: Black; text-align: left; padding-bottom: 1pt">Total managed portfolio</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">$</TD><TD STYLE="color: Black; text-align: right">2,346.00</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">$</TD><TD STYLE="color: Black; text-align: right">2,291.86</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">$</TD><TD STYLE="color: Black; text-align: right">2,346.00</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">$</TD><TD STYLE="color: Black; text-align: right">2,291.86</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(238,238,238)">
    <TD STYLE="color: Black; padding-bottom: 1pt">Average managed portfolio</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">2,344.96</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">2,281.62</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">2,332.33</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">2,198.93</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(238,238,238)">
    <TD STYLE="color: Black; text-align: left; padding-bottom: 1pt">Allowance for finance credit losses as % of fin. receivables</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">4.69%</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">4.29%</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(238,238,238)">
    <TD STYLE="color: Black; text-align: left; padding-bottom: 1pt">Aggregate allowance as % of fin. receivables (1)</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">5.59%</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">5.28%</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(238,238,238)">
    <TD STYLE="color: Black; text-align: left; padding-bottom: 1pt">Delinquencies</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="color: Black; text-align: right; padding-bottom: 1pt">31+ Days</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">8.9%</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">8.98%</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(238,238,238)">
    <TD STYLE="color: Black; text-align: right; padding-bottom: 1pt">Repossession Inventory</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">1.37%</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">1.48%</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="color: Black; text-align: right; padding-bottom: 1pt">Total Delinquencies and Repo. Inventory</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">10.27%</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">10.46%</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(238,238,238)">
    <TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="color: Black; text-align: left; padding-bottom: 1pt">Annualized net charge-offs as % of average owned portfolio</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">7.96%</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">6.69%</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">7.83%</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">7.05%</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(238,238,238)">
    <TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">&nbsp;</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="color: Black; text-align: left; padding-bottom: 1pt">Recovery rates (2)</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">34.6%</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">36.1%</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">35.2%</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; padding-bottom: 1pt">&nbsp;</TD>
    <TD STYLE="color: Black; text-align: left">&nbsp;</TD><TD STYLE="color: Black; text-align: right">38.4%</TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left">&nbsp;</TD></TR>
</TABLE>


<P STYLE="margin: 0">&nbsp;</P>

<P STYLE="margin: 0">&nbsp;</P>

<TABLE CELLPADDING="0" CELLSPACING="0" STYLE="border-collapse: collapse; width: 100%; font: 8pt Times New Roman, Times, Serif">
<TR STYLE="vertical-align: bottom">
    <TD STYLE="color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="14" STYLE="color: Black; text-align: center"><FONT STYLE="font-size: 8pt">For the</FONT></TD><TD STYLE="padding-bottom: 1pt; color: Black"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="14" STYLE="color: Black; text-align: center"><FONT STYLE="font-size: 8pt">For the</FONT></TD><TD STYLE="padding-bottom: 1pt; color: Black"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="color: Black"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="14" STYLE="color: Black; text-align: center"><FONT STYLE="font-size: 8pt">Three months ended</FONT></TD><TD STYLE="padding-bottom: 1pt; color: Black"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="14" STYLE="color: Black; text-align: center"><FONT STYLE="font-size: 8pt">Nine months ended</FONT></TD><TD STYLE="padding-bottom: 1pt; color: Black"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="color: Black; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="14" STYLE="color: Black; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 8pt">September
    30,</FONT></TD><TD STYLE="padding-bottom: 1pt; color: Black"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="14" STYLE="color: Black; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 8pt">September
    30,</FONT></TD><TD STYLE="padding-bottom: 1pt; color: Black"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom">
    <TD STYLE="color: Black; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="6" STYLE="color: Black; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 8pt">2017</FONT></TD><TD STYLE="padding-bottom: 1pt; color: Black"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="6" STYLE="color: Black; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 8pt">2016</FONT></TD><TD STYLE="padding-bottom: 1pt; color: Black"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="6" STYLE="color: Black; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 8pt">2017</FONT></TD><TD STYLE="padding-bottom: 1pt; color: Black"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="6" STYLE="color: Black; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 8pt">2016</FONT></TD><TD STYLE="padding-bottom: 1pt; color: Black"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(238,238,238)">
    <TD STYLE="color: Black; text-align: left; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="color: Black; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 8pt">$(3)</FONT></TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="color: Black; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 8pt">%(4)</FONT></TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="color: Black; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 8pt">$(3)</FONT></TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="color: Black; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 8pt">%(4)</FONT></TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="color: Black; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 8pt">$(3)</FONT></TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="color: Black; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 8pt">%(4)</FONT></TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="color: Black; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 8pt">$(3)</FONT></TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD COLSPAN="2" STYLE="color: Black; text-align: center; border-bottom: Black 1pt solid"><FONT STYLE="font-size: 8pt">%(4)</FONT></TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(238,238,238)">
    <TD STYLE="width: 20%; color: Black; text-align: left; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">Interest income</FONT></TD><TD STYLE="width: 1%; color: Black; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 1%; color: Black; text-align: left"><FONT STYLE="font-size: 8pt">$</FONT></TD><TD STYLE="width: 7%; color: Black; text-align: right"><FONT STYLE="font-size: 8pt">107.01</FONT></TD><TD STYLE="width: 1%; padding-bottom: 1pt; color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="width: 1%; color: Black; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 1%; color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="width: 7%; color: Black; text-align: right"><FONT STYLE="font-size: 8pt">18.3%</FONT></TD><TD STYLE="width: 1%; padding-bottom: 1pt; color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="width: 1%; color: Black; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 1%; color: Black; text-align: left"><FONT STYLE="font-size: 8pt">$</FONT></TD><TD STYLE="width: 7%; color: Black; text-align: right"><FONT STYLE="font-size: 8pt">105.38</FONT></TD><TD STYLE="width: 1%; padding-bottom: 1pt; color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="width: 1%; color: Black; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 1%; color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="width: 7%; color: Black; text-align: right"><FONT STYLE="font-size: 8pt">18.5%</FONT></TD><TD STYLE="width: 1%; padding-bottom: 1pt; color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="width: 1%; color: Black; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 1%; color: Black; text-align: left"><FONT STYLE="font-size: 8pt">$</FONT></TD><TD STYLE="width: 7%; color: Black; text-align: right"><FONT STYLE="font-size: 8pt">319.07</FONT></TD><TD STYLE="width: 1%; padding-bottom: 1pt; color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="width: 1%; color: Black; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 1%; color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="width: 7%; color: Black; text-align: right"><FONT STYLE="font-size: 8pt">18.2%</FONT></TD><TD STYLE="width: 1%; padding-bottom: 1pt; color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="width: 1%; color: Black; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 1%; color: Black; text-align: left"><FONT STYLE="font-size: 8pt">$</FONT></TD><TD STYLE="width: 7%; color: Black; text-align: right"><FONT STYLE="font-size: 8pt">303.75</FONT></TD><TD STYLE="width: 1%; padding-bottom: 1pt; color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="width: 1%; color: Black; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="width: 1%; color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="width: 7%; color: Black; text-align: right"><FONT STYLE="font-size: 8pt">18.4%</FONT></TD><TD STYLE="width: 1%; padding-bottom: 1pt; color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="color: Black; text-align: left; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">Servicing fees and other income</FONT></TD><TD STYLE="color: Black; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; text-align: right"><FONT STYLE="font-size: 8pt">2.47</FONT></TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; text-align: right"><FONT STYLE="font-size: 8pt">0.4%</FONT></TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; text-align: right"><FONT STYLE="font-size: 8pt">3.14</FONT></TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; text-align: right"><FONT STYLE="font-size: 8pt">0.6%</FONT></TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; text-align: right"><FONT STYLE="font-size: 8pt">8.08</FONT></TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; text-align: right"><FONT STYLE="font-size: 8pt">0.5%</FONT></TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; text-align: right"><FONT STYLE="font-size: 8pt">10.35</FONT></TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; text-align: right"><FONT STYLE="font-size: 8pt">0.6%</FONT></TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(238,238,238)">
    <TD STYLE="color: Black; text-align: left; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">Interest expense</FONT></TD><TD STYLE="color: Black; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; text-align: right"><FONT STYLE="font-size: 8pt">(23.32</FONT></TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left"><FONT STYLE="font-size: 8pt">)</FONT></TD><TD STYLE="color: Black; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; text-align: right"><FONT STYLE="font-size: 8pt">-4%</FONT></TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; text-align: right"><FONT STYLE="font-size: 8pt">(20.89</FONT></TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left"><FONT STYLE="font-size: 8pt">)</FONT></TD><TD STYLE="color: Black; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; text-align: right"><FONT STYLE="font-size: 8pt">-3.7%</FONT></TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; text-align: right"><FONT STYLE="font-size: 8pt">(68.64</FONT></TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left"><FONT STYLE="font-size: 8pt">)</FONT></TD><TD STYLE="color: Black; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; text-align: right"><FONT STYLE="font-size: 8pt">-3.9%</FONT></TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; text-align: right"><FONT STYLE="font-size: 8pt">(58.44</FONT></TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left"><FONT STYLE="font-size: 8pt">)</FONT></TD><TD STYLE="color: Black; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; text-align: right"><FONT STYLE="font-size: 8pt">-3.5%</FONT></TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="color: Black; text-align: left; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">Net interest margin</FONT></TD><TD STYLE="color: Black; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; text-align: right"><FONT STYLE="font-size: 8pt">86.17</FONT></TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; text-align: right"><FONT STYLE="font-size: 8pt">14.7%</FONT></TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; text-align: right"><FONT STYLE="font-size: 8pt">87.62</FONT></TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; text-align: right"><FONT STYLE="font-size: 8pt">15.4%</FONT></TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; text-align: right"><FONT STYLE="font-size: 8pt">258.52</FONT></TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; text-align: right"><FONT STYLE="font-size: 8pt">14.8%</FONT></TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; text-align: right"><FONT STYLE="font-size: 8pt">255.66</FONT></TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; text-align: right"><FONT STYLE="font-size: 8pt">15.5%</FONT></TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(238,238,238)">
    <TD STYLE="color: Black; text-align: left; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">Provision for credit losses</FONT></TD><TD STYLE="color: Black; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; text-align: right"><FONT STYLE="font-size: 8pt">(47.34</FONT></TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left"><FONT STYLE="font-size: 8pt">)</FONT></TD><TD STYLE="color: Black; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; text-align: right"><FONT STYLE="font-size: 8pt">-8.1%</FONT></TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; text-align: right"><FONT STYLE="font-size: 8pt">(46.26</FONT></TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left"><FONT STYLE="font-size: 8pt">)</FONT></TD><TD STYLE="color: Black; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; text-align: right"><FONT STYLE="font-size: 8pt">-8.1%</FONT></TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; text-align: right"><FONT STYLE="font-size: 8pt">(143.05</FONT></TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left"><FONT STYLE="font-size: 8pt">)</FONT></TD><TD STYLE="color: Black; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; text-align: right"><FONT STYLE="font-size: 8pt">-8.2%</FONT></TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; text-align: right"><FONT STYLE="font-size: 8pt">(134.88</FONT></TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left"><FONT STYLE="font-size: 8pt">)</FONT></TD><TD STYLE="color: Black; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; text-align: right"><FONT STYLE="font-size: 8pt">-8.2%</FONT></TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="color: Black; text-align: left; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">Risk adjusted margin</FONT></TD><TD STYLE="color: Black; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; text-align: right"><FONT STYLE="font-size: 8pt">38.84</FONT></TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; text-align: right"><FONT STYLE="font-size: 8pt">6.6%</FONT></TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; text-align: right"><FONT STYLE="font-size: 8pt">41.36</FONT></TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; text-align: right"><FONT STYLE="font-size: 8pt">7.3%</FONT></TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; text-align: right"><FONT STYLE="font-size: 8pt">115.46</FONT></TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; text-align: right"><FONT STYLE="font-size: 8pt">6.6%</FONT></TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; text-align: right"><FONT STYLE="font-size: 8pt">120.78</FONT></TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; text-align: right"><FONT STYLE="font-size: 8pt">7.3%</FONT></TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: rgb(238,238,238)">
    <TD STYLE="color: Black; text-align: left; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">Core operating expenses</FONT></TD><TD STYLE="color: Black; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; text-align: right"><FONT STYLE="font-size: 8pt">(30.73</FONT></TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left"><FONT STYLE="font-size: 8pt">)</FONT></TD><TD STYLE="color: Black; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; text-align: right"><FONT STYLE="font-size: 8pt">-5.2%</FONT></TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; text-align: right"><FONT STYLE="font-size: 8pt">(28.91</FONT></TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left"><FONT STYLE="font-size: 8pt">)</FONT></TD><TD STYLE="color: Black; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; text-align: right"><FONT STYLE="font-size: 8pt">-5.1%</FONT></TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; text-align: right"><FONT STYLE="font-size: 8pt">(91.61</FONT></TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left"><FONT STYLE="font-size: 8pt">)</FONT></TD><TD STYLE="color: Black; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; text-align: right"><FONT STYLE="font-size: 8pt">-5.2%</FONT></TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; text-align: right"><FONT STYLE="font-size: 8pt">(83.77</FONT></TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left"><FONT STYLE="font-size: 8pt">)</FONT></TD><TD STYLE="color: Black; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; text-align: right"><FONT STYLE="font-size: 8pt">-5.1%</FONT></TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
<TR STYLE="vertical-align: bottom; background-color: White">
    <TD STYLE="color: Black; text-align: left; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">Pre-tax income</FONT></TD><TD STYLE="color: Black; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: Black; text-align: left"><FONT STYLE="font-size: 8pt">$</FONT></TD><TD STYLE="color: Black; text-align: right"><FONT STYLE="font-size: 8pt">8.11</FONT></TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; text-align: right"><FONT STYLE="font-size: 8pt">1.4%</FONT></TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: Black; text-align: left"><FONT STYLE="font-size: 8pt">$</FONT></TD><TD STYLE="color: Black; text-align: right"><FONT STYLE="font-size: 8pt">12.46</FONT></TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; text-align: right"><FONT STYLE="font-size: 8pt">2.2%</FONT></TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: Black; text-align: left"><FONT STYLE="font-size: 8pt">$</FONT></TD><TD STYLE="color: Black; text-align: right"><FONT STYLE="font-size: 8pt">23.85</FONT></TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; text-align: right"><FONT STYLE="font-size: 8pt">1.4%</FONT></TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: Black; text-align: left"><FONT STYLE="font-size: 8pt">$</FONT></TD><TD STYLE="color: Black; text-align: right"><FONT STYLE="font-size: 8pt">37.01</FONT></TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; padding-bottom: 1pt"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD>
    <TD STYLE="color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD><TD STYLE="color: Black; text-align: right"><FONT STYLE="font-size: 8pt">2.2%</FONT></TD><TD STYLE="padding-bottom: 1pt; color: Black; text-align: left"><FONT STYLE="font-size: 8pt">&nbsp;</FONT></TD></TR>
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<P STYLE="margin: 0">_______________________</P>

<P STYLE="color: #424242; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="color: Black">(1)&nbsp;
Includes allowance for finance credit losses and allowance for repossession inventory.</FONT></P>

<P STYLE="color: #424242; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="color: Black">(2)&nbsp;
Wholesale auction liquidation amounts (net of expenses) as a percentage of the account balance at the time of sale.</FONT></P>

<P STYLE="color: #424242; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="color: Black">(3)&nbsp;
Numbers may not add due to rounding.</FONT></P>

<P STYLE="color: #424242; font: 10pt Times New Roman, Times, Serif; margin-top: 0pt; margin-bottom: 0pt"><FONT STYLE="color: Black">(4)&nbsp;
Annualized percentage of the average managed portfolio.&nbsp; Percentages may not add due to rounding. &nbsp;</FONT></P>




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