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 &lt;font style="FONT-FAMILY: ARIAL" size="2"&gt;&lt;b&gt;Note 18. Contingencies
 and Commitments&lt;/b&gt;&lt;/font&gt;&lt;/p&gt;
 &lt;p style="MARGIN-TOP: 6px; MARGIN-BOTTOM: 0px; MARGIN-LEFT: 8%" align="justify"&gt;&lt;font style="FONT-FAMILY: Times New Roman" size="2"&gt;The Company continuously reviews all investor, employee, and
 vendor complaints and pending or threatened litigation. The
 likelihood that a loss contingency exists is evaluated through
 consultation with legal counsel, and a loss contingency is recorded
 if probable and reasonably estimable.&lt;/font&gt;&lt;/p&gt;
 &lt;p style="MARGIN-TOP: 12px; MARGIN-BOTTOM: 0px; MARGIN-LEFT: 8%" align="justify"&gt;&lt;font style="FONT-FAMILY: Times New Roman" size="2"&gt;During the normal course of business, the Company may be
 subject to claims, legal proceedings, and other contingencies.
 These matters are subject to various uncertainties, and it is
 possible that some of these matters may be resolved unfavorably.
 The Company establishes accruals for matters for which the outcome
 is probable and can be reasonably estimated. Management believes
 that any liability in excess of these accruals upon the ultimate
 resolution of these matters will not have a material adverse effect
 on the consolidated financial statements of the Company.&lt;/font&gt;&lt;/p&gt;
 &lt;p style="MARGIN-TOP: 12px; MARGIN-BOTTOM: 0px; MARGIN-LEFT: 8%" align="justify"&gt;&lt;font style="FONT-FAMILY: Times New Roman" size="2"&gt;The Board has authorized a monthly dividend of $0.005 per share
 through December 2013, at which time it will be considered for
 continuation by the Board. Payment of cash dividends is within the
 discretion of the Company&amp;#x2019;s Board of Directors and is
 dependent on earnings, operations, capital requirements, general
 financial condition of the Company and general business conditions.
 The total amount of cash dividends to be paid to class A and class
 C shareholders from July 2013 to December 2013 will be
 approximately $465,000.&lt;/font&gt;&lt;/p&gt;
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